McCartys Village, NM
McCartys Village, NM's wildfire risk, in USFS's own numbers
McCartys Village sits at the 47th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 186 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks McCartys Village at the 48th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
McCartys Village's building exposure, zone by zone
USFS classifies 100% of McCartys Village's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 186 structures sit close enough to vegetation that lot clearing matters most.
McCartys Village against the rest of the country
Inside New Mexico, McCartys Village sits at just the 13th percentile even though it scores 47th 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, McCartys Village ranks 16,677 for wildfire risk (1 is highest) and 25,397 by building count (1 is largest). Within New Mexico alone, it ranks 431 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
McCartys Village's elevated wildfire rating (47th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
McCartys Village'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.
More on how this number was built
Every one of the two percentiles behind McCartys Village's 16,677-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond McCartys Village, see the exposure-zones guide.