Luna, NM
Luna wildfire risk explained
Luna sits at the 100th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 313 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Luna at the 100th percentile, close to its 100th-percentile risk score.
Luna's building exposure, zone by zone
313 buildings are counted in Luna, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Luna against the rest of the country
There's little gap between Luna's 100th national percentile and its 99th percentile inside New Mexico, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Luna ranks 74 for wildfire risk (1 is highest) and 21,289 by building count (1 is largest). Within New Mexico alone, it ranks 4 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
Luna's very high rating (100th 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
Luna's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Luna's figures come from
Every one of the two percentiles behind Luna's 74-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Luna's dominant direct exposure actually means, with real examples from across the dataset.