Metcalfe, MS
How exposed is Metcalfe to wildfire?
Out of every US place USFS scores, Metcalfe lands at the 12th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 345 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Metcalfe's burn probability — fire likelihood with no building count factored in — sits at the 11th percentile nationally.
Metcalfe's building exposure, zone by zone
Metcalfe rates 71.3% Minimal exposure against just 28.7% Direct and 0% Indirect — of 345 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Metcalfe against the rest of the country
There's little gap between Metcalfe's 12th national percentile and its 3rd percentile inside Mississippi, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Metcalfe ranks 27,774 for wildfire risk (1 is highest) and 20,451 by building count (1 is largest). Within Mississippi alone, it ranks 409 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
Metcalfe's low rating (12th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 71.3% of buildings rated Minimal exposure, Metcalfe gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Metcalfe's 12th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Metcalfe, see the exposure-zones guide.