White Rock, NM
White Rock, NM's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts White Rock at the 92nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,712 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, White Rock's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
White Rock's building exposure, zone by zone
Most of White Rock's buildings (66.6%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where White Rock ranks
White Rock scores 92nd nationally and 79th within New Mexico — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, White Rock ranks 2,556 for wildfire risk (1 is highest) and 5,911 by building count (1 is largest). Within New Mexico alone, it ranks 103 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
White Rock's 92nd-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
Because 66.6% of White Rock's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where White Rock's figures come from
White Rock's 92nd-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 White Rock's dominant indirect exposure actually means, with real examples from across the dataset.