Black Hat, NM
Black Hat, NM's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Black Hat at the 29th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 25 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Black Hat at the 27th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Black Hat's buildings actually sit
25 buildings are counted in Black Hat, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Black Hat against the rest of the country
Inside New Mexico, Black Hat sits at just the 2nd percentile even though it scores 29th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Black Hat ranks 22,384 for wildfire risk (1 is highest) and 31,414 by building count (1 is largest). Within New Mexico alone, it ranks 487 of 495 places by risk. See the full county-by-county picture for New Mexico on its state page.
What this risk score means for insurance
Black Hat's moderate rating (29th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Black Hat's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Black Hat's 29th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Black Hat, see the exposure-zones guide.