Hagerman, NM
How exposed is Hagerman to wildfire?
Hagerman's 659 buildings earn a 83rd-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.)
Separately from the risk score above, Hagerman's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
What "at risk" means for the buildings here
Most of Hagerman's buildings (68% of 659) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Hagerman compares
Hagerman ranks lower within New Mexico (58th percentile statewide) than its 83rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Hagerman ranks 5,423 for wildfire risk (1 is highest) and 15,079 by building count (1 is largest). Within New Mexico alone, it ranks 208 of 495 places by risk. See the full county-by-county picture for New Mexico on its state page.
Hagerman and the insurance market
Hagerman's very high rating (83rd 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 Hagerman
Even with 68% of Hagerman outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Hagerman's 83rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Hagerman, see the exposure-zones guide.