Terry, MS
Terry wildfire risk explained
Terry's 739 buildings earn a 72nd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Terry at the 75th percentile, close to its 72nd-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Terry: 62.3% of its 739 buildings, versus 37.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Terry against the rest of the country
There's little gap between Terry's 72nd national percentile and its 63rd percentile inside Mississippi, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Terry ranks 8,952 for wildfire risk (1 is highest) and 14,229 by building count (1 is largest). Within Mississippi alone, it ranks 157 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
At the 72nd percentile nationally, Terry carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Terry's 62.3% 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.
Where Terry's figures come from
The methodology guide shows exactly how USFS turned 739 counted buildings into the percentiles shown above for Terry. The exposure-zones guide covers what Terry's dominant direct exposure actually means, with real examples from across the dataset.