Black Rock, NM
How exposed is Black Rock to wildfire?
Black Rock's 449 buildings earn a 51st-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Black Rock at the 48th percentile, close to its 51st-percentile risk score.
Black Rock's building exposure, zone by zone
USFS classifies 76.4% of Black Rock's buildings as Direct exposure, higher than its 23.6% Indirect share and far above its 0% Minimal share — a profile where 343 structures sit close enough to vegetation that lot clearing matters most.
How Black Rock compares
Black Rock ranks lower within New Mexico (18th percentile statewide) than its 51st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Black Rock ranks 15,386 for wildfire risk (1 is highest) and 18,300 by building count (1 is largest). Within New Mexico alone, it ranks 407 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 Rock's elevated wildfire rating (51st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Because Direct exposure dominates in Black Rock (76.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 449 counted buildings into the percentiles shown above for Black Rock. For more on what direct exposure implies beyond Black Rock, see the exposure-zones guide.