Monument, NM
How exposed is Monument to wildfire?
USFS's Wildfire Risk to Communities model puts Monument at the 95th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 227 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Monument at the 96th percentile, close to its 95th-percentile risk score.
Monument's building exposure, zone by zone
227 buildings are counted in Monument, and 99.1% 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.
Where Monument ranks
Monument's risk sits at a similar level relative to New Mexico (85th percentile statewide) as it does nationally (95th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Monument ranks 1,547 for wildfire risk (1 is highest) and 23,891 by building count (1 is largest). Within New Mexico alone, it ranks 76 of 495 places by risk. See the full county-by-county picture for New Mexico on its state page.
Shopping for coverage in Monument
Monument's very high rating (95th 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.
What would actually reduce this score
Because Direct exposure dominates in Monument (99.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Monument's figures come from
Every one of the two percentiles behind Monument's 1,547-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Monument's dominant direct exposure actually means, with real examples from across the dataset.