La Joya, NM
La Joya wildfire risk explained
La Joya sits at the 67th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 97 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks La Joya at the 63rd national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
La Joya's building exposure, zone by zone
USFS classifies 88.7% of La Joya's buildings as Direct exposure, higher than its 11.3% Indirect share and far above its 0% Minimal share — a profile where 86 structures sit close enough to vegetation that lot clearing matters most.
La Joya against the rest of the country
Inside New Mexico, La Joya sits at just the 38th percentile even though it scores 67th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, La Joya ranks 10,436 for wildfire risk (1 is highest) and 29,188 by building count (1 is largest). Within New Mexico alone, it ranks 308 of 495 places by risk. See the full county-by-county picture for New Mexico on its state page.
La Joya and the insurance market
At the 67th percentile nationally, La Joya carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in La Joya
Because Direct exposure dominates in La Joya (88.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where La Joya's figures come from
La Joya's 67th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what La Joya's dominant direct exposure actually means, with real examples from across the dataset.