Spring Creek, SD
How exposed is Spring Creek to wildfire?
USFS's Wildfire Risk to Communities model puts Spring Creek at the 88th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 90 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spring Creek's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Where Spring Creek's buildings actually sit
97.8% of Spring Creek's 90 buildings sit in USFS's Direct exposure zone, roughly 88 structures close enough to burnable vegetation for flame contact, not just embers — 2.2% fall in the Indirect, ember-only zone and 0% are Minimal.
How Spring Creek compares
Spring Creek's risk sits at a similar level relative to South Dakota (89th percentile statewide) as it does nationally (88th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Spring Creek ranks 3,948 for wildfire risk (1 is highest) and 29,513 by building count (1 is largest). Within South Dakota alone, it ranks 51 of 439 places by risk. See the full county-by-county picture for South Dakota on its state page.
Shopping for coverage in Spring Creek
At the 88th percentile nationally, Spring Creek carries the very 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.
Lowering exposure, not just insuring around it
With 97.8% of Spring Creek in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Spring Creek's figures come from
Spring Creek's 88th-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 Spring Creek's dominant direct exposure actually means, with real examples from across the dataset.