Clara, MS
Clara wildfire risk explained
Clara's 365 buildings earn a 82nd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Clara at the 84th percentile, close to its 82nd-percentile risk score.
Clara's building exposure, zone by zone
USFS classifies 98.1% of Clara's buildings as Direct exposure, higher than its 1.9% Indirect share and far above its 0% Minimal share — a profile where 358 structures sit close enough to vegetation that lot clearing matters most.
Clara against the rest of the country
Clara scores 82nd nationally and 84th within Mississippi — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Clara ranks 5,733 for wildfire risk (1 is highest) and 19,963 by building count (1 is largest). Within Mississippi alone, it ranks 68 of 420 places by risk. See the full county-by-county picture for Mississippi on its state page.
Clara and the insurance market
At the 82nd percentile nationally, Clara 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
Clara's 98.1% 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 Clara's figures come from
Clara's 82nd-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 Clara's dominant direct exposure actually means, with real examples from across the dataset.