Biloxi, MS
Biloxi wildfire risk explained
USFS scores Biloxi at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 20,079 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 Biloxi at the 92nd percentile, close to its 91st-percentile risk score.
Biloxi's building exposure, zone by zone
Most of Biloxi's buildings (72.4% of 20,079) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 20,079 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Biloxi ranks
Biloxi's risk sits at a similar level relative to Mississippi (93rd percentile statewide) as it does nationally (91st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Biloxi ranks 2,806 for wildfire risk (1 is highest) and 700 by building count (1 is largest). Within Mississippi alone, it ranks 31 of 420 places by risk. See the full county-by-county picture for Mississippi on its state page.
Biloxi and the insurance market
Biloxi's very high rating (91st 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.
Lowering exposure, not just insuring around it
Biloxi's 72.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 20,079 counted buildings into the percentiles shown above for Biloxi. For more on what minimal exposure implies beyond Biloxi, see the exposure-zones guide.