Keystone, SD
Keystone, SD's wildfire risk, in USFS's own numbers
Keystone sits at the 87th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 344 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Keystone at the 88th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Keystone's building exposure, zone by zone
USFS classifies 76.2% of Keystone's buildings as Direct exposure, higher than its 23.8% Indirect share and far above its 0% Minimal share — a profile where 262 structures sit close enough to vegetation that lot clearing matters most.
How Keystone compares
Keystone's risk sits at a similar level relative to South Dakota (88th percentile statewide) as it does nationally (87th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Keystone ranks 4,049 for wildfire risk (1 is highest) and 20,479 by building count (1 is largest). Within South Dakota alone, it ranks 52 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
Keystone's very high rating (87th 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.
Hardening a home in Keystone
With 76.2% of Keystone 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 344 counted buildings into the percentiles shown above for Keystone. For more on what direct exposure implies beyond Keystone, see the exposure-zones guide.