Silver Creek, MS
Silver Creek wildfire risk explained
Silver Creek's 195 buildings earn a 82nd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Silver Creek's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
Where Silver Creek's buildings actually sit
195 buildings are counted in Silver Creek, and 61.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Silver Creek compares
There's little gap between Silver Creek's 82nd national percentile and its 84th percentile inside Mississippi, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Silver Creek ranks 5,768 for wildfire risk (1 is highest) and 25,032 by building count (1 is largest). Within Mississippi alone, it ranks 69 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
Silver Creek's very high rating (82nd 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.
Lowering exposure, not just insuring around it
Silver Creek's 61.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 195 counted buildings into the percentiles shown above for Silver Creek. For more on what direct exposure implies beyond Silver Creek, see the exposure-zones guide.