About me
Ashley's Background
I grew up in a small town where my mom was a volunteer firefighter, so fire safety was a part of everyday life. My sister and I even rode along to calls sometimes. That early exposure stuck with me.
Now, I live in Ruidoso, NM another small community where wildfire has become an all-too-familiar threat. As an insurance agent, I began to see firsthand how these fires were not only devastating homes but also reshaping how insurance companies viewed our town.
In 2021, I started digging deeper into wildfire scores, PPC codes, FireLine data and realized there was a serious disconnect. Most homeowners, and even many agents, didn’t understand how these numbers work or how they impact coverage.
Then in 2022, everything hit close to home. Ruidoso faced three fires at once. The McBride Fire alone destroyed 250 structures and took two lives. That experience changed me.
Since then, it’s been my mission to bridge the gap educating homeowners, guiding agents, and helping communities make sense of the wildfire data that’s shaping their future. Because protecting people starts with understanding what they’re really up against.
About Ashley
I started out in marketing with companies like Shell Vacations and MCI Worldcom. Learning the ropes in both phone and face-to-face communication. After moving from the busy Phoenix metro to the quieter town of Prescott, I realized I needed a new path. I went back to school, earned a degree in accounting, and continued my studies through Eastern New Mexico University.
I didn’t begin my insurance journey until I was 30. In 2012, I was hired by a local Farmers agent, and although I knew early on that I wanted to run my own agency, I was a mom of two (and pregnant with my third!). Life was changing, and our goal was to move closer to family in Cloudcroft, NM. Just seven months later, the opportunity came and everything aligned.
Right before our move, tragedy struck. The Yarnell Hill Fire devastated the Prescott area and claimed the lives of 19 firefighters. That moment stayed with me. And when I arrived in Ruidoso, I quickly learned it too had a history of wildfire with scars still fresh from the Little Bear Fire.
For the past 11 years, I’ve seen how wildfire continues to threaten our homes and community. When insurance companies started calling us “high risk,” I couldn’t accept “it is what it is.” I asked questions. I reached out to the BLM, fire chiefs, forestry experts, and started showing up learning everything I could.
Then came the 2022 McBride Fire. It took 250 homes and 2 lives. My agent alone had 35 total losses. That fire lit something inside me. I knew I had to do more—for my clients, for my neighbors, and for communities like ours.
Now, with an amazing team of seven, we work hands-on with homeowners—educating, guiding, and helping them reduce risk where they can. From photo assessments to honest conversations about coverage, our goal is simple: to help people feel seen, supported, and protected in a world that’s changing fast.
Products Ashley Offers
At the Ashley Dalton Agency, we offer Home, Auto, Business, Life, Medicare, and Financial Planning but our passion lies in helping wildfire-prone communities.
We specialize in finding coverage solutions for homes and businesses facing wildfire risk or insurance declines. Through fire risk assessments, safety consultations, and local partnerships, we help clients understand and reduce their risk.
From community meetings to online webinars and workshops, our goal is to bridge the gap between wildfire data and everyday decisions empowering people to protect what matters most.