Red River, NM
Red River, NM's wildfire risk, in USFS's own numbers
USFS scores Red River at the 97th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 725 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Red River's burn probability — fire likelihood with no building count factored in — sits at the 94th percentile nationally.
Red River's building exposure, zone by zone
725 buildings are counted in Red River, and 51.3% 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.
Where Red River ranks
Red River's risk sits at a similar level relative to New Mexico (92nd percentile statewide) as it does nationally (97th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Red River ranks 889 for wildfire risk (1 is highest) and 14,393 by building count (1 is largest). Within New Mexico alone, it ranks 40 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
Red River's very high rating (97th 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 Red River (51.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 725 counted buildings into the percentiles shown above for Red River. For more on what direct exposure implies beyond Red River, see the exposure-zones guide.