White Oak, MS
White Oak, MS's wildfire risk, in USFS's own numbers
White Oak sits at the 29th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 235 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts White Oak at the 30th percentile, close to its 29th-percentile risk score.
Where White Oak's buildings actually sit
Only 32.8% of White Oak's 235 buildings carry Direct exposure and 0% carry Indirect; the remaining 67.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
White Oak against the rest of the country
White Oak's 29th national percentile looks worse in isolation than its 9th ranking inside Mississippi does — this place is on the milder end for its own state, by 20 points. Among the 31,521 US communities USFS scores, White Oak ranks 22,254 for wildfire risk (1 is highest) and 23,630 by building count (1 is largest). Within Mississippi alone, it ranks 382 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
White Oak's moderate wildfire rating (29th 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.
What would actually reduce this score
With 67.2% of buildings rated Minimal exposure, White Oak gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind White Oak's 22,254-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond White Oak, see the exposure-zones guide.