Ramona, SD
Ramona, SD's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Ramona at the 45th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 173 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ramona at the 41st national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Ramona's building exposure, zone by zone
Most of Ramona's buildings (62.4% of 173) 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.
Ramona against the rest of the country
Ramona's 45th national percentile looks worse in isolation than its 22nd ranking inside South Dakota does — this place is on the milder end for its own state, by 24 points. Among the 31,521 US communities USFS scores, Ramona ranks 17,221 for wildfire risk (1 is highest) and 25,917 by building count (1 is largest). Within South Dakota alone, it ranks 343 of 439 places by risk. See the full county-by-county picture for South Dakota on its state page.
Shopping for coverage in Ramona
Ramona's elevated rating (45th 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
With 62.4% of buildings rated Minimal exposure, Ramona gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Ramona's figures come from
Ramona's 45th-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 Ramona's dominant minimal exposure actually means, with real examples from across the dataset.