Marvin, SD
Marvin, SD's wildfire risk, in USFS's own numbers
USFS scores Marvin at the 70th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 44 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Marvin's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
What "at risk" means for the buildings here
61.4% of Marvin's 44 buildings sit in USFS's Direct exposure zone, roughly 27 structures close enough to burnable vegetation for flame contact, not just embers — 38.6% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Marvin ranks
Marvin's risk sits at a similar level relative to South Dakota (64th percentile statewide) as it does nationally (70th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Marvin ranks 9,622 for wildfire risk (1 is highest) and 31,080 by building count (1 is largest). Within South Dakota alone, it ranks 158 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
Marvin's high rating (70th 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.
What would actually reduce this score
Marvin's 61.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Marvin's figures come from
Every one of the two percentiles behind Marvin's 9,622-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Marvin's dominant direct exposure actually means, with real examples from across the dataset.