Bancroft, SD
Bancroft, SD's wildfire risk, in USFS's own numbers
USFS scores Bancroft at the 49th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 51 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bancroft's burn probability — fire likelihood with no building count factored in — sits at the 49th percentile nationally.
Where Bancroft's buildings actually sit
51 buildings are counted in Bancroft, and 68.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 31.4% rated Minimal.
How Bancroft compares
Bancroft's 49th national percentile looks worse in isolation than its 28th ranking inside South Dakota does — this place is on the milder end for its own state, by 21 points. Among the 31,521 US communities USFS scores, Bancroft ranks 15,991 for wildfire risk (1 is highest) and 30,912 by building count (1 is largest). Within South Dakota alone, it ranks 316 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 49th national percentile, Bancroft rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Bancroft's 68.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Bancroft's figures come from
Bancroft's 49th-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 Bancroft's dominant direct exposure actually means, with real examples from across the dataset.