Spring Creek Colony, SD
How exposed is Spring Creek Colony to wildfire?
USFS's Wildfire Risk to Communities model puts Spring Creek Colony at the 73rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 53 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 Spring Creek Colony at the 65th percentile, close to its 73rd-percentile risk score.
Where Spring Creek Colony's buildings actually sit
90.6% of Spring Creek Colony's 53 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 9.4% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Spring Creek Colony against the rest of the country
Spring Creek Colony's risk sits at a similar level relative to South Dakota (71st percentile statewide) as it does nationally (73rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Spring Creek Colony ranks 8,517 for wildfire risk (1 is highest) and 30,857 by building count (1 is largest). Within South Dakota alone, it ranks 127 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
Spring Creek Colony's 73rd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Spring Creek Colony
Because 90.6% of Spring Creek Colony's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Spring Creek Colony's figures come from
The methodology guide shows exactly how USFS turned 53 counted buildings into the percentiles shown above for Spring Creek Colony. The exposure-zones guide covers what Spring Creek Colony's dominant indirect exposure actually means, with real examples from across the dataset.