Pembrook Colony, SD
Pembrook Colony wildfire risk explained
Pembrook Colony's 38 buildings earn a 28th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pembrook Colony at the 27th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Pembrook Colony's building exposure, zone by zone
Most of Pembrook Colony's buildings (89.5% of 38) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Pembrook Colony against the rest of the country
Pembrook Colony ranks lower within South Dakota (3rd percentile statewide) than its 28th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Pembrook Colony ranks 22,549 for wildfire risk (1 is highest) and 31,218 by building count (1 is largest). Within South Dakota alone, it ranks 426 of 439 places by risk. See the full county-by-county picture for South Dakota on its state page.
Pembrook Colony and the insurance market
Pembrook Colony's moderate rating (28th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Pembrook Colony's 89.5% 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.
Where Pembrook Colony's figures come from
Pembrook Colony's 28th-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 Pembrook Colony's dominant minimal exposure actually means, with real examples from across the dataset.