Reserve, NM
Reserve wildfire risk explained
USFS's Wildfire Risk to Communities model puts Reserve at the 98th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 358 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Reserve at the 98th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Reserve's building exposure, zone by zone
Indirect exposure is dominant in Reserve (60.9% of 358 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 39.1% sit in the Direct zone.
Reserve against the rest of the country
Reserve's risk sits at a similar level relative to New Mexico (95th percentile statewide) as it does nationally (98th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Reserve ranks 635 for wildfire risk (1 is highest) and 20,110 by building count (1 is largest). Within New Mexico alone, it ranks 28 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 98th percentile nationally, Reserve 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.
Hardening a home in Reserve
Reserve's 60.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Reserve's 635-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Reserve, see the exposure-zones guide.