Pine Lakes Addition, SD
Pine Lakes Addition wildfire risk explained
Pine Lakes Addition sits at the 63rd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 113 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Pine Lakes Addition at the 63rd percentile, close to its 63rd-percentile risk score.
Where Pine Lakes Addition's buildings actually sit
Direct exposure dominates in Pine Lakes Addition: 97.4% of its 113 buildings, versus 0% Indirect and 2.7% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Pine Lakes Addition ranks
Pine Lakes Addition scores 63rd nationally and 53rd 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, Pine Lakes Addition ranks 11,611 for wildfire risk (1 is highest) and 28,522 by building count (1 is largest). Within South Dakota alone, it ranks 207 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 63rd percentile nationally, Pine Lakes Addition carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Because Direct exposure dominates in Pine Lakes Addition (97.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Pine Lakes Addition's figures come from
The methodology guide shows exactly how USFS turned 113 counted buildings into the percentiles shown above for Pine Lakes Addition. The exposure-zones guide covers what Pine Lakes Addition's dominant direct exposure actually means, with real examples from across the dataset.