You’d be hard pressed to find an area of SD that didn’t have wildfire risk – there are open space canyon walls from top to bottom of this county. that’s what makes SD feel more open than places that are totally flat allowing for all open space to be built upon (read: LA).

In a prior house we called a well known insurance for a quote while we were in escrow. The company wanted to know if the house was within [can’t remember distance…a mile?] of an open field. I said yes, virtually every house in SD county is! They refused to give me a quote. So yes, policies include wildfire coverage.