Farmer, SD
Farmer, SD's wildfire risk, in USFS's own numbers
Farmer's 14 buildings earn a 41st-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Farmer's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Farmer's building exposure, zone by zone
100% of Farmer's 14 buildings sit in USFS's Direct exposure zone, roughly 14 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal. This is a small settlement by building count — 14 total — so these shares describe a handful of structures, not a statistical average across thousands.
How Farmer compares
Inside South Dakota, Farmer sits at just the 15th percentile even though it scores 41st 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, Farmer ranks 18,607 for wildfire risk (1 is highest) and 31,497 by building count (1 is largest). Within South Dakota alone, it ranks 374 of 439 places by risk. See the full county-by-county picture for South Dakota on its state page.
Shopping for coverage in Farmer
Farmer's elevated rating (41st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Farmer
With 100% of Farmer 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.
Where Farmer's figures come from
Farmer's 41st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. Small places like Farmer (14 buildings) are exactly where USFS's underlying data gets sparsest — see the data-quality guide for the 517 places that didn't clear the bar.