Shamrock Colony, SD
Shamrock Colony wildfire risk explained
USFS's Wildfire Risk to Communities model puts Shamrock Colony at the 47th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 29 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Shamrock Colony at the 46th percentile, close to its 47th-percentile risk score.
Where Shamrock Colony's buildings actually sit
Of Shamrock Colony's 29 counted buildings, 65.5% carry Direct exposure and only 34.5% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Shamrock Colony ranks
Shamrock Colony's 47th national percentile looks worse in isolation than its 24th ranking inside South Dakota does — this place is on the milder end for its own state, by 23 points. Among the 31,521 US communities USFS scores, Shamrock Colony ranks 16,877 for wildfire risk (1 is highest) and 31,374 by building count (1 is largest). Within South Dakota alone, it ranks 335 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
Shamrock Colony's elevated rating (47th 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
Shamrock Colony's 65.5% 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.
Where Shamrock Colony's figures come from
Shamrock Colony's 47th-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 Shamrock Colony's dominant direct exposure actually means, with real examples from across the dataset.