Horn Lake, MS
Horn Lake wildfire risk explained
USFS scores Horn Lake at the 63rd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 9,832 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Horn Lake at the 66th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
60.9% of Horn Lake's 9,832 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 29.2% Direct and 9.9% Minimal. Vent screens and roofing material matter more here than lot clearing alone. At 9,832 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Horn Lake against the rest of the country
Horn Lake ranks lower within Mississippi (41st percentile statewide) than its 63rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Horn Lake ranks 11,598 for wildfire risk (1 is highest) and 1,648 by building count (1 is largest). Within Mississippi alone, it ranks 250 of 420 places by risk. See the full county-by-county picture for Mississippi on its state page.
Shopping for coverage in Horn Lake
At the 63rd percentile nationally, Horn Lake carries the 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
Because 60.9% of Horn Lake's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Horn Lake's figures come from
The methodology guide shows exactly how USFS turned 9,832 counted buildings into the percentiles shown above for Horn Lake. The exposure-zones guide covers what Horn Lake's dominant indirect exposure actually means, with real examples from across the dataset.