Tome, NM
How exposed is Tome to wildfire?
USFS's Wildfire Risk to Communities model puts Tome at the 62nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,238 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Tome's burn probability — fire likelihood with no building count factored in — sits at the 61st percentile nationally.
What "at risk" means for the buildings here
Of Tome's 1,238 counted buildings, 82.7% 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.
Tome against the rest of the country
Tome's 62nd national percentile looks worse in isolation than its 33rd ranking inside New Mexico does — this place is on the milder end for its own state, by 29 points. Among the 31,521 US communities USFS scores, Tome ranks 11,882 for wildfire risk (1 is highest) and 10,422 by building count (1 is largest). Within New Mexico alone, it ranks 331 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 62nd percentile nationally, Tome carries the 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
Tome's 82.7% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,238 counted buildings into the percentiles shown above for Tome. For more on what direct exposure implies beyond Tome, see the exposure-zones guide.