Mora, NM
Mora wildfire risk explained
USFS scores Mora at the 99th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 704 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mora's burn probability — fire likelihood with no building count factored in — sits at the 98th percentile nationally.
Mora's building exposure, zone by zone
80.7% of Mora's 704 buildings sit in USFS's Direct exposure zone, roughly 568 structures close enough to burnable vegetation for flame contact, not just embers — 19.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Mora ranks
Mora's risk sits at a similar level relative to New Mexico (96th percentile statewide) as it does nationally (99th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Mora ranks 452 for wildfire risk (1 is highest) and 14,612 by building count (1 is largest). Within New Mexico alone, it ranks 22 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
Mora's very high rating (99th 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
Mora's 80.7% 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 Mora's 452-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Mora, see the exposure-zones guide.