Shelby, MS
How exposed is Shelby to wildfire?
USFS scores Shelby at the 5th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 959 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Shelby at the 5th percentile, close to its 5th-percentile risk score.
Shelby's building exposure, zone by zone
Shelby rates 84.6% Minimal exposure against just 15.4% Direct and 0% Indirect — of 959 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Shelby against the rest of the country
Shelby's risk sits at a similar level relative to Mississippi (1st percentile statewide) as it does nationally (5th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Shelby ranks 30,012 for wildfire risk (1 is highest) and 12,230 by building count (1 is largest). Within Mississippi alone, it ranks 415 of 420 places by risk. See the full county-by-county picture for Mississippi on its state page.
Shopping for coverage in Shelby
At the 5th national percentile, Shelby rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 84.6% of buildings rated Minimal exposure, Shelby gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Shelby's figures come from
Every one of the two percentiles behind Shelby's 30,012-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Shelby's dominant minimal exposure actually means, with real examples from across the dataset.