White Horse, SD
White Horse, SD's wildfire risk, in USFS's own numbers
USFS scores White Horse at the 89th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 72 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts White Horse at the 87th percentile, close to its 89th-percentile risk score.
Where White Horse's buildings actually sit
100% of White Horse's 72 buildings sit in USFS's Direct exposure zone, roughly 72 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
White Horse against the rest of the country
White Horse's risk sits at a similar level relative to South Dakota (92nd percentile statewide) as it does nationally (89th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, White Horse ranks 3,350 for wildfire risk (1 is highest) and 30,227 by building count (1 is largest). Within South Dakota alone, it ranks 35 of 439 places by risk. See the full county-by-county picture for South Dakota on its state page.
Shopping for coverage in White Horse
At the 89th percentile nationally, White Horse 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 100% of White Horse 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.
More on how this number was built
White Horse's 89th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond White Horse, see the exposure-zones guide.