Rustic Acres Colony, SD
Rustic Acres Colony wildfire risk explained
Out of every US place USFS scores, Rustic Acres Colony lands at the 23rd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 69 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 Rustic Acres Colony at the 19th percentile, close to its 23rd-percentile risk score.
What "at risk" means for the buildings here
Rustic Acres Colony rates 72.5% Minimal exposure against just 27.5% Direct and 0% Indirect — of 69 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Rustic Acres Colony ranks
Rustic Acres Colony's 23rd national percentile looks worse in isolation than its 1st ranking inside South Dakota does — this place is on the milder end for its own state, by 21 points. Among the 31,521 US communities USFS scores, Rustic Acres Colony ranks 24,440 for wildfire risk (1 is highest) and 30,334 by building count (1 is largest). Within South Dakota alone, it ranks 433 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
Rustic Acres Colony's moderate wildfire rating (23rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Rustic Acres Colony's 72.5% 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.
More on how this number was built
Every one of the two percentiles behind Rustic Acres Colony's 24,440-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Rustic Acres Colony, see the exposure-zones guide.