Grady, NM
Grady wildfire risk explained
Grady's 112 buildings earn a 97th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Grady at the 97th percentile, close to its 97th-percentile risk score.
What "at risk" means for the buildings here
53.6% of Grady's 112 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 46.4% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Grady compares
There's little gap between Grady's 97th national percentile and its 94th percentile inside New Mexico, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Grady ranks 825 for wildfire risk (1 is highest) and 28,551 by building count (1 is largest). Within New Mexico alone, it ranks 33 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
Grady'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.
Hardening a home in Grady
Grady's 53.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 112 counted buildings into the percentiles shown above for Grady. For more on what indirect exposure implies beyond Grady, see the exposure-zones guide.