Tchula, MS
How exposed is Tchula to wildfire?
Tchula's 767 buildings earn a 59th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tchula at the 61st national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Tchula's buildings actually sit
USFS puts 64.2% of Tchula's 767 buildings in the Indirect exposure zone, versus 19.7% Direct and 16.2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Tchula compares
Inside Mississippi, Tchula sits at just the 31st percentile even though it scores 59th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Tchula ranks 12,955 for wildfire risk (1 is highest) and 13,944 by building count (1 is largest). Within Mississippi alone, it ranks 288 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
Tchula's elevated wildfire rating (59th 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
With ember exposure the dominant pattern in Tchula (64.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Tchula's figures come from
The methodology guide shows exactly how USFS turned 767 counted buildings into the percentiles shown above for Tchula. The exposure-zones guide covers what Tchula's dominant indirect exposure actually means, with real examples from across the dataset.