Loving, NM
Loving wildfire risk explained
Loving's 904 buildings earn a 76th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Loving at the 78th percentile, close to its 76th-percentile risk score.
What "at risk" means for the buildings here
904 buildings are counted in Loving, and 74% of them are Indirect exposure — ember-driven risk rather than the 26% in Direct exposure or the 0% rated Minimal.
Where Loving ranks
Loving ranks lower within New Mexico (47th percentile statewide) than its 76th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Loving ranks 7,570 for wildfire risk (1 is highest) and 12,687 by building count (1 is largest). Within New Mexico alone, it ranks 260 of 495 places by risk. See the full county-by-county picture for New Mexico on its state page.
Shopping for coverage in Loving
Loving's 76th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because 74% of Loving'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.
More on how this number was built
Loving's 76th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Loving, see the exposure-zones guide.