La Luz, NM
La Luz, NM's wildfire risk, in USFS's own numbers
La Luz's 1,216 buildings earn a 86th-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 La Luz at the 85th percentile, close to its 86th-percentile risk score.
What "at risk" means for the buildings here
Of La Luz's 1,216 counted buildings, 83.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
La Luz against the rest of the country
La Luz ranks lower within New Mexico (66th percentile statewide) than its 86th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, La Luz ranks 4,289 for wildfire risk (1 is highest) and 10,557 by building count (1 is largest). Within New Mexico alone, it ranks 169 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
La Luz's very high rating (86th 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 La Luz
With 83.6% of La Luz 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 La Luz's figures come from
The methodology guide shows exactly how USFS turned 1,216 counted buildings into the percentiles shown above for La Luz. The exposure-zones guide covers what La Luz's dominant direct exposure actually means, with real examples from across the dataset.