Cavour, SD
How exposed is Cavour to wildfire?
USFS's Wildfire Risk to Communities model puts Cavour at the 53rd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 116 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cavour's burn probability — fire likelihood with no building count factored in — sits at the 53rd percentile nationally.
Cavour's building exposure, zone by zone
Most of Cavour's buildings (51.7% of 116) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Cavour against the rest of the country
Inside South Dakota, Cavour sits at just the 35th percentile even though it scores 53rd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Cavour ranks 14,796 for wildfire risk (1 is highest) and 28,383 by building count (1 is largest). Within South Dakota alone, it ranks 286 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
Cavour's elevated rating (53rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 51.7% of Cavour 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.
Where Cavour's figures come from
The methodology guide shows exactly how USFS turned 116 counted buildings into the percentiles shown above for Cavour. The exposure-zones guide covers what Cavour's dominant minimal exposure actually means, with real examples from across the dataset.