Sagar, NM
How exposed is Sagar to wildfire?
Sagar sits at the 74th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 155 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Sagar at the 63rd percentile, lower than its 74th-percentile risk score, because so much is actually built here.
Sagar's building exposure, zone by zone
100% of Sagar's 155 buildings sit in USFS's Direct exposure zone, roughly 155 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Sagar against the rest of the country
Sagar ranks lower within New Mexico (46th percentile statewide) than its 74th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Sagar ranks 8,131 for wildfire risk (1 is highest) and 26,670 by building count (1 is largest). Within New Mexico alone, it ranks 271 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
Sagar's high rating (74th 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.
Hardening a home in Sagar
With 100% of Sagar 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 155 counted buildings into the percentiles shown above for Sagar. For more on what direct exposure implies beyond Sagar, see the exposure-zones guide.