Henderson Point, MS
How exposed is Henderson Point to wildfire?
Henderson Point sits at the 91st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 262 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Henderson Point at the 89th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
75.6% of Henderson Point's 262 buildings sit in USFS's Minimal exposure zone, with only 24.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Henderson Point against the rest of the country
Henderson Point's risk sits at a similar level relative to Mississippi (92nd 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, Henderson Point ranks 2,808 for wildfire risk (1 is highest) and 22,773 by building count (1 is largest). Within Mississippi alone, it ranks 33 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
Henderson Point'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.
What would actually reduce this score
Henderson Point's 75.6% 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.
Where Henderson Point's figures come from
Henderson Point's 91st-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 Henderson Point's dominant minimal exposure actually means, with real examples from across the dataset.