Okreek, SD
How exposed is Okreek to wildfire?
Out of every US place USFS scores, Okreek lands at the 90th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 149 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Okreek at the 87th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Okreek's buildings actually sit
82.6% of Okreek's 149 buildings sit in USFS's Direct exposure zone, roughly 123 structures close enough to burnable vegetation for flame contact, not just embers — 17.5% fall in the Indirect, ember-only zone and 0% are Minimal.
Okreek against the rest of the country
Okreek's risk sits at a similar level relative to South Dakota (93rd percentile statewide) as it does nationally (90th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Okreek ranks 3,289 for wildfire risk (1 is highest) and 26,928 by building count (1 is largest). Within South Dakota alone, it ranks 31 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
Okreek's 90th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Okreek's 82.6% 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.
More on how this number was built
Okreek's 90th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Okreek, see the exposure-zones guide.