Oak Lane Colony, SD
How exposed is Oak Lane Colony to wildfire?
Out of every US place USFS scores, Oak Lane Colony lands at the 35th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 76 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oak Lane Colony at the 32nd percentile, close to its 35th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 69.7% of Oak Lane Colony's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 30.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Oak Lane Colony ranks
Inside South Dakota, Oak Lane Colony sits at just the 8th percentile even though it scores 35th 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, Oak Lane Colony ranks 20,628 for wildfire risk (1 is highest) and 30,063 by building count (1 is largest). Within South Dakota alone, it ranks 406 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 35th national percentile, Oak Lane Colony rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Oak Lane Colony
With 69.7% of buildings rated Minimal exposure, Oak Lane Colony gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Oak Lane Colony's figures come from
Oak Lane Colony's 35th-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 Oak Lane Colony's dominant minimal exposure actually means, with real examples from across the dataset.