Big Point, MS
How exposed is Big Point to wildfire?
USFS's Wildfire Risk to Communities model puts Big Point at the 95th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 560 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Big Point at the 96th percentile, close to its 95th-percentile risk score.
Big Point's building exposure, zone by zone
560 buildings are counted in Big Point, and 98.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Big Point compares
There's little gap between Big Point's 95th national percentile and its 97th percentile inside Mississippi, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Big Point ranks 1,728 for wildfire risk (1 is highest) and 16,407 by building count (1 is largest). Within Mississippi alone, it ranks 12 of 420 places by risk. See the full county-by-county picture for Mississippi on its state page.
Big Point and the insurance market
Big Point's 95th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Big Point's 98.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Big Point's figures come from
Big Point's 95th-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 Big Point's dominant direct exposure actually means, with real examples from across the dataset.