Midway, NM
Midway, NM's wildfire risk, in USFS's own numbers
USFS scores Midway at the 76th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 581 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Midway's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Midway's building exposure, zone by zone
80% of Midway's 581 buildings sit in USFS's Direct exposure zone, roughly 465 structures close enough to burnable vegetation for flame contact, not just embers — 17.9% fall in the Indirect, ember-only zone and 2.1% are Minimal.
Midway against the rest of the country
Midway's 76th national percentile looks worse in isolation than its 48th ranking inside New Mexico does — this place is on the milder end for its own state, by 28 points. Among the 31,521 US communities USFS scores, Midway ranks 7,536 for wildfire risk (1 is highest) and 16,097 by building count (1 is largest). Within New Mexico alone, it ranks 259 of 495 places by risk. See the full county-by-county picture for New Mexico on its state page.
Shopping for coverage in Midway
Midway'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
With 80% of Midway 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 581 counted buildings into the percentiles shown above for Midway. For more on what direct exposure implies beyond Midway, see the exposure-zones guide.