Flora, MS
How exposed is Flora to wildfire?
Flora sits at the 58th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 805 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Flora at the 62nd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Flora's building exposure, zone by zone
58.5% of Flora's 805 buildings sit in USFS's Direct exposure zone, roughly 471 structures close enough to burnable vegetation for flame contact, not just embers — 41.5% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Flora ranks
Flora ranks lower within Mississippi (30th percentile statewide) than its 58th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Flora ranks 13,177 for wildfire risk (1 is highest) and 13,589 by building count (1 is largest). Within Mississippi alone, it ranks 295 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
Flora's elevated rating (58th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Flora
Flora's 58.5% 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 Flora's figures come from
Flora's 58th-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 Flora's dominant direct exposure actually means, with real examples from across the dataset.