Miller, SD
Miller wildfire risk explained
Miller sits at the 60th 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 1,094 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Miller at the 59th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Miller's buildings actually sit
Miller rates 93.6% Minimal exposure against just 6.4% Direct and 0% Indirect — of 1,094 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Miller compares
Miller scores 60th nationally and 47th within South Dakota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Miller ranks 12,778 for wildfire risk (1 is highest) and 11,318 by building count (1 is largest). Within South Dakota alone, it ranks 235 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
At the 60th national percentile, Miller rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Miller's 93.6% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,094 counted buildings into the percentiles shown above for Miller. For more on what minimal exposure implies beyond Miller, see the exposure-zones guide.