Freeman, SD
Freeman, SD's wildfire risk, in USFS's own numbers
Freeman's 948 buildings earn a 31st-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Freeman's burn probability — fire likelihood with no building count factored in — sits at the 29th percentile nationally.
Freeman's building exposure, zone by zone
68% of Freeman's 948 buildings sit in USFS's Minimal exposure zone, with only 32% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Freeman compares
Inside South Dakota, Freeman sits at just the 4th percentile even though it scores 31st 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, Freeman ranks 21,884 for wildfire risk (1 is highest) and 12,322 by building count (1 is largest). Within South Dakota alone, it ranks 422 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
Freeman's moderate wildfire rating (31st 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.
What would actually reduce this score
Freeman's 68% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Freeman's figures come from
Freeman's 31st-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 Freeman's dominant minimal exposure actually means, with real examples from across the dataset.