Hurley, MS
How exposed is Hurley to wildfire?
USFS's Wildfire Risk to Communities model puts Hurley at the 91st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,196 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hurley's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
What "at risk" means for the buildings here
95.2% of Hurley's 1,196 buildings sit in USFS's Direct exposure zone, roughly 1,139 structures close enough to burnable vegetation for flame contact, not just embers — 4.8% fall in the Indirect, ember-only zone and 0% are Minimal.
Hurley against the rest of the country
There's little gap between Hurley's 91st national percentile and its 92nd percentile inside Mississippi, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hurley ranks 2,955 for wildfire risk (1 is highest) and 10,669 by building count (1 is largest). Within Mississippi alone, it ranks 35 of 420 places by risk. See the full county-by-county picture for Mississippi on its state page.
Hurley and the insurance market
Hurley'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
Because Direct exposure dominates in Hurley (95.2%), 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
Every one of the two percentiles behind Hurley's 2,955-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Hurley, see the exposure-zones guide.