Garfield, NM
Garfield, NM's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Garfield lands at the 57th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 108 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Garfield at the 55th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
79.6% of Garfield's 108 buildings sit in USFS's Direct exposure zone, roughly 86 structures close enough to burnable vegetation for flame contact, not just embers — 20.4% fall in the Indirect, ember-only zone and 0% are Minimal.
How Garfield compares
Garfield's 57th national percentile looks worse in isolation than its 25th ranking inside New Mexico does — this place is on the milder end for its own state, by 32 points. Among the 31,521 US communities USFS scores, Garfield ranks 13,554 for wildfire risk (1 is highest) and 28,703 by building count (1 is largest). Within New Mexico alone, it ranks 371 of 495 places by risk. See the full county-by-county picture for New Mexico on its state page.
Garfield and the insurance market
Garfield's elevated rating (57th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 79.6% of Garfield in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Garfield's figures come from
Every one of the two percentiles behind Garfield's 13,554-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Garfield's dominant direct exposure actually means, with real examples from across the dataset.