Armour, SD
How exposed is Armour to wildfire?
Armour sits at the 46th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 556 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Armour at the 45th percentile, close to its 46th-percentile risk score.
Where Armour's buildings actually sit
Only 39.4% of Armour's 556 buildings carry Direct exposure and 0% carry Indirect; the remaining 60.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Armour against the rest of the country
Armour ranks lower within South Dakota (23rd percentile statewide) than its 46th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Armour ranks 16,972 for wildfire risk (1 is highest) and 16,484 by building count (1 is largest). Within South Dakota alone, it ranks 337 of 439 places by risk. See the full county-by-county picture for South Dakota on its state page.
What this risk score means for insurance
At the 46th national percentile, Armour rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 60.6% of Armour outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Armour's 46th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Armour, see the exposure-zones guide.