Los Lunas, NM
Los Lunas wildfire risk explained
USFS's Wildfire Risk to Communities model puts Los Lunas at the 62nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 8,612 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Los Lunas's burn probability — fire likelihood with no building count factored in — sits at the 61st percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Los Lunas (69.8% of 8,612 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 30.2% sit in the Direct zone. At 8,612 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Los Lunas ranks
Los Lunas ranks lower within New Mexico (33rd percentile statewide) than its 62nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Los Lunas ranks 11,982 for wildfire risk (1 is highest) and 1,934 by building count (1 is largest). Within New Mexico alone, it ranks 333 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
Los Lunas's high rating (62nd 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.
Lowering exposure, not just insuring around it
Because 69.8% of Los Lunas's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Los Lunas's figures come from
Every one of the two percentiles behind Los Lunas's 11,982-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Los Lunas's dominant indirect exposure actually means, with real examples from across the dataset.