Spencerville, NM
Spencerville, NM's wildfire risk, in USFS's own numbers
Spencerville sits at the 55th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 941 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Spencerville at the 54th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Spencerville's 941 counted buildings, 81.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Spencerville against the rest of the country
Spencerville's 55th national percentile looks worse in isolation than its 23rd ranking inside New Mexico does — this place is on the milder end for its own state, by 32 points. Among the 31,521 US communities USFS scores, Spencerville ranks 14,063 for wildfire risk (1 is highest) and 12,384 by building count (1 is largest). Within New Mexico alone, it ranks 380 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
Spencerville's elevated rating (55th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Spencerville's 81.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Spencerville's figures come from
Spencerville's 55th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Spencerville's dominant direct exposure actually means, with real examples from across the dataset.