Hurley, SD
Hurley, SD's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hurley at the 61st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 351 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hurley's burn probability — fire likelihood with no building count factored in — sits at the 53rd percentile nationally.
Where Hurley's buildings actually sit
71.2% of Hurley's 351 buildings sit in USFS's Minimal exposure zone, with only 28.8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Hurley ranks
There's little gap between Hurley's 61st national percentile and its 48th percentile inside South Dakota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hurley ranks 12,463 for wildfire risk (1 is highest) and 20,289 by building count (1 is largest). Within South Dakota alone, it ranks 227 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
Hurley's high rating (61st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Even with 71.2% of Hurley outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Hurley's 61st-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 Hurley, see the exposure-zones guide.