Floyd, NM
Floyd wildfire risk explained
Floyd sits at the 97th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 115 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Floyd's burn probability — fire likelihood with no building count factored in — sits at the 98th percentile nationally.
Floyd's building exposure, zone by zone
64.4% of Floyd's 115 buildings sit in USFS's Direct exposure zone, roughly 74 structures close enough to burnable vegetation for flame contact, not just embers — 20% fall in the Indirect, ember-only zone and 15.7% are Minimal.
Where Floyd ranks
Floyd scores 97th nationally and 93rd within New Mexico — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Floyd ranks 887 for wildfire risk (1 is highest) and 28,419 by building count (1 is largest). Within New Mexico alone, it ranks 38 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
Floyd's very high rating (97th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Floyd's 64.4% 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
Every one of the two percentiles behind Floyd's 887-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Floyd, see the exposure-zones guide.