Navajo Dam, NM
Navajo Dam, NM's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Navajo Dam at the 64th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 477 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Navajo Dam at the 63rd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Navajo Dam's buildings actually sit
USFS classifies 70.7% of Navajo Dam's buildings as Direct exposure, higher than its 28.9% Indirect share and far above its 0.4% Minimal share — a profile where 337 structures sit close enough to vegetation that lot clearing matters most.
Where Navajo Dam ranks
Inside New Mexico, Navajo Dam sits at just the 35th percentile even though it scores 64th 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, Navajo Dam ranks 11,413 for wildfire risk (1 is highest) and 17,763 by building count (1 is largest). Within New Mexico alone, it ranks 322 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
At the 64th percentile nationally, Navajo Dam carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Because Direct exposure dominates in Navajo Dam (70.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Navajo Dam's figures come from
Every one of the two percentiles behind Navajo Dam's 11,413-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Navajo Dam's dominant direct exposure actually means, with real examples from across the dataset.