Morgan City, MS
How exposed is Morgan City to wildfire?
Out of every US place USFS scores, Morgan City lands at the 40th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 131 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Morgan City at the 39th percentile, close to its 40th-percentile risk score.
What "at risk" means for the buildings here
Most of Morgan City's buildings (77.1% of 131) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Morgan City ranks
Morgan City ranks lower within Mississippi (14th percentile statewide) than its 40th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Morgan City ranks 18,970 for wildfire risk (1 is highest) and 27,671 by building count (1 is largest). Within Mississippi alone, it ranks 361 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
Morgan City's moderate wildfire rating (40th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Morgan City's 77.1% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 131 counted buildings into the percentiles shown above for Morgan City. For more on what minimal exposure implies beyond Morgan City, see the exposure-zones guide.