D'Lo, MS
How exposed is D'Lo to wildfire?
USFS's Wildfire Risk to Communities model puts D'Lo at the 70th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 284 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, D'Lo's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
Where D'Lo's buildings actually sit
Direct exposure dominates in D'Lo: 67.6% of its 284 buildings, versus 32.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How D'Lo compares
D'Lo's risk sits at a similar level relative to Mississippi (58th percentile statewide) as it does nationally (70th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, D'Lo ranks 9,421 for wildfire risk (1 is highest) and 22,059 by building count (1 is largest). Within Mississippi alone, it ranks 176 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
D'Lo's high rating (70th 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
D'Lo's 67.6% 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 D'Lo's figures come from
The methodology guide shows exactly how USFS turned 284 counted buildings into the percentiles shown above for D'Lo. The exposure-zones guide covers what D'Lo's dominant direct exposure actually means, with real examples from across the dataset.