Pass Christian, MS
How exposed is Pass Christian to wildfire?
Out of every US place USFS scores, Pass Christian lands at the 96th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 3,554 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 Pass Christian at the 95th percentile, close to its 96th-percentile risk score.
Pass Christian's building exposure, zone by zone
USFS classifies 68% of Pass Christian's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 32.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Pass Christian ranks
Pass Christian scores 96th nationally and 99th within Mississippi — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Pass Christian ranks 1,416 for wildfire risk (1 is highest) and 4,712 by building count (1 is largest). Within Mississippi alone, it ranks 7 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
Pass Christian's very high rating (96th 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.
Hardening a home in Pass Christian
Even with 68% of Pass Christian outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,554 counted buildings into the percentiles shown above for Pass Christian. For more on what minimal exposure implies beyond Pass Christian, see the exposure-zones guide.