Toccopola, MS
Toccopola wildfire risk explained
Toccopola's 209 buildings earn a 74th-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.)
Separately from the risk score above, Toccopola's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Toccopola's building exposure, zone by zone
Of Toccopola's 209 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Toccopola compares
There's little gap between Toccopola's 74th national percentile and its 68th percentile inside Mississippi, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Toccopola ranks 8,288 for wildfire risk (1 is highest) and 24,520 by building count (1 is largest). Within Mississippi alone, it ranks 134 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 74th percentile nationally, Toccopola 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.
Hardening a home in Toccopola
Because Direct exposure dominates in Toccopola (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Toccopola's figures come from
Toccopola's 74th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Toccopola's dominant direct exposure actually means, with real examples from across the dataset.