Nogal, NM
How exposed is Nogal to wildfire?
Out of every US place USFS scores, Nogal lands at the 99th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 210 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Nogal's burn probability — fire likelihood with no building count factored in — sits at the 99th percentile nationally.
Nogal's building exposure, zone by zone
USFS classifies 100% of Nogal's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 210 structures sit close enough to vegetation that lot clearing matters most.
How Nogal compares
Nogal scores 99th nationally and 98th within New Mexico — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Nogal ranks 199 for wildfire risk (1 is highest) and 24,488 by building count (1 is largest). Within New Mexico alone, it ranks 9 of 495 places by risk. See the full county-by-county picture for New Mexico on its state page.
Nogal and the insurance market
At the 99th percentile nationally, Nogal carries the very 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Nogal (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Nogal's figures come from
The methodology guide shows exactly how USFS turned 210 counted buildings into the percentiles shown above for Nogal. The exposure-zones guide covers what Nogal's dominant direct exposure actually means, with real examples from across the dataset.