Warner, SD
Warner wildfire risk explained
Out of every US place USFS scores, Warner lands at the 62nd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 268 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Warner at the 60th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Warner's building exposure, zone by zone
66.4% of Warner's 268 buildings sit in USFS's Minimal exposure zone, with only 33.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Warner against the rest of the country
Warner scores 62nd nationally and 51st within South Dakota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Warner ranks 12,143 for wildfire risk (1 is highest) and 22,587 by building count (1 is largest). Within South Dakota alone, it ranks 218 of 439 places by risk. See the full county-by-county picture for South Dakota on its state page.
Warner and the insurance market
At the 62nd percentile nationally, Warner carries the 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.
Hardening a home in Warner
With 66.4% of buildings rated Minimal exposure, Warner gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Warner's figures come from
The methodology guide shows exactly how USFS turned 268 counted buildings into the percentiles shown above for Warner. The exposure-zones guide covers what Warner's dominant minimal exposure actually means, with real examples from across the dataset.