Cloverdale, MS
Cloverdale, MS's wildfire risk, in USFS's own numbers
USFS scores Cloverdale at the 55th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 352 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cloverdale's burn probability — fire likelihood with no building count factored in — sits at the 56th percentile nationally.
What "at risk" means for the buildings here
Of Cloverdale's 352 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Cloverdale against the rest of the country
Cloverdale's 55th national percentile looks worse in isolation than its 24th ranking inside Mississippi does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, Cloverdale ranks 14,215 for wildfire risk (1 is highest) and 20,261 by building count (1 is largest). Within Mississippi alone, it ranks 319 of 420 places by risk. See the full county-by-county picture for Mississippi on its state page.
What this risk score means for insurance
Cloverdale's elevated wildfire rating (55th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Because Direct exposure dominates in Cloverdale (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 352 counted buildings into the percentiles shown above for Cloverdale. For more on what direct exposure implies beyond Cloverdale, see the exposure-zones guide.