Cresbard, SD
Cresbard, SD's wildfire risk, in USFS's own numbers
Cresbard sits at the 38th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 186 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 Cresbard at the 36th percentile, close to its 38th-percentile risk score.
Cresbard's building exposure, zone by zone
Only 24.2% of Cresbard's 186 buildings carry Direct exposure and 0% carry Indirect; the remaining 75.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Cresbard ranks
Cresbard ranks lower within South Dakota (11th percentile statewide) than its 38th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cresbard ranks 19,708 for wildfire risk (1 is highest) and 25,401 by building count (1 is largest). Within South Dakota alone, it ranks 391 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
Cresbard's moderate wildfire rating (38th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 75.8% of buildings rated Minimal exposure, Cresbard gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Cresbard's 38th-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 Cresbard, see the exposure-zones guide.