Navajo, NM
How exposed is Navajo to wildfire?
USFS scores Navajo at the 80th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 615 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Navajo at the 72nd percentile, close to its 80th-percentile risk score.
Where Navajo's buildings actually sit
615 buildings are counted in Navajo, and 81.3% 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.
How Navajo compares
Inside New Mexico, Navajo sits at just the 53rd percentile even though it scores 80th 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 ranks 6,304 for wildfire risk (1 is highest) and 15,632 by building count (1 is largest). Within New Mexico alone, it ranks 234 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
Navajo's 80th-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.
Hardening a home in Navajo
With 81.3% of Navajo 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 615 counted buildings into the percentiles shown above for Navajo. For more on what direct exposure implies beyond Navajo, see the exposure-zones guide.