Hayti, SD
Hayti wildfire risk explained
Hayti sits at the 47th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 285 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hayti's burn probability — fire likelihood with no building count factored in — sits at the 40th percentile nationally.
Where Hayti's buildings actually sit
Hayti rates 85.6% Minimal exposure against just 14.4% Direct and 0% Indirect — of 285 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Hayti against the rest of the country
Inside South Dakota, Hayti sits at just the 24th percentile even though it scores 47th 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, Hayti ranks 16,747 for wildfire risk (1 is highest) and 22,046 by building count (1 is largest). Within South Dakota alone, it ranks 331 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
Hayti's elevated wildfire rating (47th 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
Hayti's 85.6% 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 Hayti's figures come from
Hayti's 47th-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 Hayti's dominant minimal exposure actually means, with real examples from across the dataset.