Upland Colony, SD
Upland Colony, SD's wildfire risk, in USFS's own numbers
Upland Colony sits at the 71st percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 49 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Upland Colony at the 66th percentile, close to its 71st-percentile risk score.
Upland Colony's building exposure, zone by zone
Direct exposure dominates in Upland Colony: 79.6% of its 49 buildings, versus 20.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Upland Colony compares
Upland Colony's risk sits at a similar level relative to South Dakota (67th percentile statewide) as it does nationally (71st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Upland Colony ranks 9,242 for wildfire risk (1 is highest) and 30,969 by building count (1 is largest). Within South Dakota alone, it ranks 147 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
Upland Colony's high rating (71st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Because Direct exposure dominates in Upland Colony (79.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Upland Colony's figures come from
The methodology guide shows exactly how USFS turned 49 counted buildings into the percentiles shown above for Upland Colony. The exposure-zones guide covers what Upland Colony's dominant direct exposure actually means, with real examples from across the dataset.