Upper Fruitland, NM
How exposed is Upper Fruitland to wildfire?
Out of every US place USFS scores, Upper Fruitland lands at the 49th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 742 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Upper Fruitland at the 50th percentile, close to its 49th-percentile risk score.
Where Upper Fruitland's buildings actually sit
Of Upper Fruitland's 742 counted buildings, 93.1% 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.
Upper Fruitland against the rest of the country
Upper Fruitland's 49th national percentile looks worse in isolation than its 15th ranking inside New Mexico does — this place is on the milder end for its own state, by 34 points. Among the 31,521 US communities USFS scores, Upper Fruitland ranks 16,075 for wildfire risk (1 is highest) and 14,207 by building count (1 is largest). Within New Mexico alone, it ranks 422 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
Upper Fruitland's elevated wildfire rating (49th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 93.1% of Upper Fruitland 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
Every one of the two percentiles behind Upper Fruitland's 16,075-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Upper Fruitland, see the exposure-zones guide.