🌍 ClimateRiskCheck

Natural Disaster Risk in Fernwood

Mississippi

6.5out of 10
High Risk

Risk Summary for Fernwood

Fernwood scores 6.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Tornado Extreme Heat

All 18 Hazard Scores

Tornado
9.1
Hurricane
9.1
Extreme Heat
8.5
Lightning
8.5
Hail
8.3
Strong Wind
7.9
Wildfire
7.5
Ice Storm
7.0
Drought
6.1
Earthquake
5.8
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Landslide
4.8
Avalanche
4.5
Cold Wave
4.5
Winter Weather
2.9
Riverine Flooding
1.0

How it compares

Fernwood
6.5
Mississippi avg.
6.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Fernwood, Mississippi

Fernwood is a small unincorporated community in Pike County, in the Deep South. The area experiences very hot, humid summers and mild winters, with overlapping tornado and hurricane seasons shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Fernwood.

According to FEMA's National Risk Index, Fernwood carries an overall risk score of 6.5/10, placing it in the high category. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. The area also faces notable exposure to tornado and heat.

Fernwood's risk score, slightly above the 6.1/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Pike County, the highest-scoring are hurricane, tornado, and heat. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Fernwood residents benefit from taking preparedness seriously. Reviewing insurance coverage for hurricane and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Fernwood: Hurricane preparedness

  • Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
  • Know your evacuation zone and route before hurricane season begins each June.
  • Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.

Local Factors for Fernwood

These city-level factors differentiate Fernwood from other communities in Pike County and provide geographic context for its hazard exposure.

Population

N/A

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 31.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.5/10

Coordinates

31.1843Β° N, 90.4486Β° W

Pike County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Fernwood

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Fernwood

Other cities in Mississippi

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.