Wildfire Risk in Cloudcroft, NM
Cloudcroft sits high in the Sacramento Mountains of southern New Mexico, a forested village ringed by dense, drought-stressed timber that has burned destructively nearby.
Risk Score
72/100
Very High Risk
Wildfire hazard in Cloudcroft
Cloudcroft, New Mexico is rated Very High risk (72/100). Cloudcroft ranks in the very-high wildfire-hazard tier — among the more dangerous fire environments in the region (a 72/100 FireRisk). the USFS Wildfire Risk to Communities model rates the risk to structures here as Very High, FEMA’s National Risk Index rates it Not available. Federal records show 14 wildfires within 25 miles since 2000 — the closest, the Moser (2024), burned about 2.8 miles away. Risk varies dramatically block to block, so the map shows the area while your exact address determines your true score.
Get the full report for your address →About wildfire risk in Cloudcroft
Fire history
The June 2012 Little Bear Fire in the Sacramento Mountains region (Lincoln National Forest) burned about 44,000 acres and destroyed 254 buildings near Ruidoso to the north; the same range produced Ruidoso’s catastrophic 2024 South Fork and Salt fires. Cloudcroft’s surrounding Lincoln National Forest carries heavy fuel loads.
Terrain & fuels
Dense ponderosa, fir, and spruce cover the steep Sacramento Mountains around the village at roughly 8,600 ft; drought, beetle stress, and afternoon winds drive intense fire behavior, and steep canyons pose post-fire flood risk.
Insurance outlook
Otero County mountain homes face a hardening market; documented defensible space and ember-resistant construction are increasingly important to coverage.
Local programs & resources
- New Mexico State Forestry. WUI mitigation and defensible-space guidance for mountain communities.
- Firewise USA. A recognized community wildfire-mitigation program; participating neighborhoods can qualify for grants and, with some carriers, premium credits.
Fire history near Cloudcroft
14 federally recorded wildfires (2000–2024) within 25 miles. The closest is Moser (2024), 2.8 miles away. Tap any fire for quick facts.
Where this score falls
This score plotted on the full wildfire-risk scale.
Risk varies block to block in Cloudcroft
This score is for the area. Your street, slope, and defensible space change it a lot — check your exact address for a free, instant home-level score, map, and report.
What Cloudcroft wildfire risk means for your insurance
Total potential savings
$5,020/yr
Across 10 programs you may qualify for
$1,520recurring/yr
$17,500one-time grants
IBHS Wildfire Prepared Home™ Discount
5–25% premium reductionThe gold standard for wildfire home ratings. Major carriers (State Farm, Farmers, Nationwide, Allstate) offer 5–25% discounts for IBHS certification. A third-party inspector grades your home on five systems: roof, vent, deck, wall, and window glazing. Half-day inspection, long-lasting payoff.
✓ WUI homeowners nationwide — confirm discount with your carrier before scheduling inspection
Firewise USA Community Discount
5–15% premium reductionResidents of NFPA-recognized Firewise USA communities qualify for discounts from State Farm, Farmers, and many regional carriers. Over 1,600 communities are recognized nationwide. Check firewise.org/find-a-firewise-community to see if yours qualifies.
✓ Residents of officially recognized Firewise USA communities — verify with your carrier
Documented Defensible Space Discount
5–12% premium reductionMost WUI carriers offer standalone discounts for documented Zone 1, 2 & 3 clearance — no full IBHS cert required. Submit dated before/after photos plus a contractor invoice or county assessment letter to your agent.
✓ Contact your carrier — requires written documentation of Zone 1 (0–5ft), Zone 2 (5–30ft), and Zone 3 (30–100ft) clearance
Class A Fire-Rated Roofing Discount
3–8% premium reductionMetal, concrete tile, or Class A composition shingles eliminate ember ignition from above and qualify for carrier discounts in all wildfire states. Provide your carrier a letter from the roofing contractor confirming the UL Class A rating.
✓ New or recently replaced roofs — ask your carrier for their fire-rating documentation requirements
Home Hardening & Fire-Resistant Materials Discount
3–12% premium reductionDocumenting fire-resistant upgrades — fiber cement siding, metal gutters, dual-pane tempered windows, enclosed eaves, and 1/16" ember-resistant vents — can qualify for additional carrier discounts. Bundle with defensible space docs for maximum combined discount.
✓ Ask your carrier for their home hardening checklist and documentation requirements
Hermit's Peak/Calf Canyon Fire Act Recovery Funds
Up to $125,000 (survivors)The Hermit's Peak/Calf Canyon Fire Assistance Act (2022) provides federal compensation and recovery funds for NM landowners affected by these 2022 fires — the largest in NM history. Funds cover property losses, mitigation, and rebuilding to fire-resistant standards.
✓ NM landowners affected by 2022 Hermit's Peak/Calf Canyon fires — fema.gov/hermits-peak
USDA NRCS EQIP Fuels Reduction Grant
Up to $150,000 (agricultural)USDA Natural Resources Conservation Service pays 50–75% of wildfire-related conservation work (prescribed burns, thinning, silvopasture) on rural/agricultural land through the Environmental Quality Incentives Program. Application windows open annually in fall at local NRCS service centers.
✓ Agricultural producers and rural landowners — find your office at nrcs.usda.gov
NM EMNRD Forestry Division Cost-Share Grant
Up to $5,000 (50% match)New Mexico EMNRD Forestry reimburses 50% of defensible space and fuels reduction costs. High-priority communities include Santa Fe, Taos, Ruidoso, Silver City, and communities in the Jemez Mountains. Apply at emnrd.nm.gov/forestry.
✓ NM private landowners in designated WUI areas — emnrd.nm.gov/forestry
NM Forest & Watershed Health Program
Up to $4,000 (project-based)EMNRD funds mechanical and prescribed fire treatments on private forestland in northern NM. Priority areas are Rio Grande and Jemez Mountain watersheds. Post-Hermit's Peak/Calf Canyon fire, federal supplemental funding is available through the Hermit's Peak Recovery Act.
✓ Northern NM private forestland owners — contact your local EMNRD district forester
USDA Forest Service State Fire Assistance
Varies (state forestry passthrough)USDA Forest Service allocates State Fire Assistance (SFA) grants to every state forestry agency, which then distributes them as cost-share programs and grants to private landowners. This is the funding backbone for most state-level wildfire programs listed below.
✓ Apply through your state's forestry agency — universally available in all 50 states
Savings are estimates. Verify current amounts with your insurance carrier, CSFS district office, or tax professional before committing to work.
What wildfire risk does to this home's value
Beyond premiums, wildfire risk is capitalized into market value — buyers pay less for homes that cost more to insure and carry a disclosed hazard. Adjust the value below to estimate the impact on a very high-risk home.
Estimated value impact
−$13K to −$20K
roughly 4.0%–6.0% of value
The durable effect of a standing very high-risk designation — not the larger, temporary drop right after a nearby fire, which typically recovers in 1–3 years.
Insurance carrying cost
~$809/yr
Estimated added wildfire premium. Capitalized at a 7% rate, that recurring cost alone reduces value by about $11,557 — the mechanism behind much of the discount.
Market & disclosure discount
4.0%–6.0%
Peer-reviewed CA data finds homes with a disclosed wildfire hazard sell for ~4–6% less; Redfin finds high-risk ZIPs now trade at a discount after years of slower appreciation.
Estimate, not an appraisal. Modeled from your risk tier and an adjustable home value, using insurance-cost capitalization and published wildfire price-discount research (Land Economics 2024 / RFF; GAO-26-107867; Redfin; Eastman-Kim 2024). Individual homes vary with hardening, views, and local demand. Methodology & sources on the methodology page.
Your insurer is quietly re-evaluating every policy in your ZIP.
Industry reports describe major carriers dropping or repricing large numbers of high-risk policies in recent years. Waiting until renewal to act tends to leave you the fewest options.
What happens if you wait
High-risk homeowners have faced steep rate increases in recent years. Non-standard market policies — when you can find them — often cost substantially more.
Insurers have filed hundreds of thousands of non-renewals in fire-risk areas in recent years. Notices typically arrive ~60 days before expiration.
IBHS-certified homes may qualify for premium reductions with participating carriers. Discounts vary by carrier, state, and property.
Research suggests homes with elevated fire risk can sell below comparable homes, as buyers price in insurance cost. Individual results vary.
High risk doesn’t mean uninsurable.
We compare wildfire-specialist carriers licensed in New Mexico — including ones that still write very high-risk homes — to find who covers you and what they charge. Free, no obligation.
$1,520/yr — typical savings when New Mexico homeowners compare carriers.
“My insurer didn’t renew me after 11 years. FireRisk matched me with two carriers that same week — saving $2,100 a year now.”
Sarah K. · Boulder, CO · previously High Risk
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Lower your wildfire risk in Cloudcroft
Get a certified fire mitigation contractor in New Mexico
We connect you with vetted, locally-licensed crews who do the physical work that lowers your risk score — and document it so your insurer and New Mexico's grant programs recognize it.
What your contractor handles
On-site evaluation of all three zones, documented to insurer and state standards.
Ladder-fuel removal, tree limbing, and brush clearing by trained crews.
Ember-resistant vents, gutter guards, and Zone 1 non-combustible retrofits.
Documentation that unlocks carrier discounts and state grant reimbursements.
Book a free defensible space assessment
Most certified contractors assess at no cost. The visit documents your property to the standard insurers require — and 3 of your recommended actions qualify for New Mexico grant or rebate funding.
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✓ No obligation
Defensible space & home hardening →
The specific work that measurably lowers your score — with the grants and tax credits that pay for it.
Is there a fire near Cloudcroft right now?
The map above shows active fires from NIFC. For live evacuation alerts, smoke, and incident updates, these official sources are the fastest:
Before the next Red Flag day
Know exactly how to protect your home in Cloudcroft — free
Build a personalized, prioritized mitigation plan in 2 minutes — every step tied to the insurance discount, tax credit, and grant it unlocks. Then get a hand-checked shortlist of vetted local contractors to do the work.
Cloudcroft wildfire FAQ
Is Cloudcroft at risk for wildfires?
Yes — Cloudcroft, New Mexico carries a Very High wildfire risk rating (72/100), so it faces meaningful wildfire exposure. 14 wildfires have been recorded within 25 miles since 2000. Risk varies street by street, so check your exact address for a precise score.
Is Cloudcroft in a high wildfire risk area?
Cloudcroft, New Mexico carries a Very High wildfire risk rating (72/100) based on USFS Wildfire Risk to Communities, FEMA National Risk Index, terrain, and recorded fire history. Risk varies street by street — check your exact address for a precise score.
How do I check my home's wildfire risk in Cloudcroft?
Enter your street address into FireRisk.ai for a free, instant report. It pulls federal data for your exact coordinates and returns a 0–100 risk score, a satellite map of your defensible-space zones, nearby fire history, and your insurance and mitigation options.
Does wildfire risk affect home insurance in Cloudcroft?
Yes. Insurers price New Mexico policies off the same federal hazard data in this report, and high-risk areas have seen premium increases and non-renewals. Documenting defensible space and home hardening can unlock discounts and help keep coverage.
More wildfire risk in New Mexico
Official New Mexico resources
Know your home's exact wildfire risk
Street-level risk in Cloudcroft varies enormously. Get your address's precise score, defensible-space map, and insurance options — free, in 30 seconds.
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