Trout Valley, NM
How exposed is Trout Valley to wildfire?
Out of every US place USFS scores, Trout Valley lands at the 99th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 25 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Trout Valley's burn probability — fire likelihood with no building count factored in — sits at the 99th percentile nationally.
What "at risk" means for the buildings here
25 buildings are counted in Trout Valley, and 100% 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.
Trout Valley against the rest of the country
There's little gap between Trout Valley's 99th national percentile and its 98th percentile inside New Mexico, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Trout Valley ranks 232 for wildfire risk (1 is highest) and 31,415 by building count (1 is largest). Within New Mexico alone, it ranks 13 of 495 places by risk. See the full county-by-county picture for New Mexico on its state page.
Trout Valley and the insurance market
Trout Valley's 99th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Trout Valley's 100% 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
Trout Valley's 99th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Trout Valley, see the exposure-zones guide.