Erwin, SD
Erwin, SD's wildfire risk, in USFS's own numbers
USFS scores Erwin at the 39th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 75 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Erwin at the 37th percentile, close to its 39th-percentile risk score.
Erwin's building exposure, zone by zone
75 buildings are counted in Erwin, and 94.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 5.3% rated Minimal.
Erwin against the rest of the country
Erwin ranks lower within South Dakota (12th percentile statewide) than its 39th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Erwin ranks 19,177 for wildfire risk (1 is highest) and 30,107 by building count (1 is largest). Within South Dakota alone, it ranks 385 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 39th national percentile, Erwin rates moderate 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
With 94.7% of Erwin in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 75 counted buildings into the percentiles shown above for Erwin. For more on what direct exposure implies beyond Erwin, see the exposure-zones guide.