Natural Disaster Risk — ZIP Code 39428
Collins, Mississippi
Risk Summary for ZIP 39428
ZIP 39428 scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 39428, Mississippi
ZIP 39428 in Collins sits in the Deep South. Its humid subtropical climate produces very hot, humid summers and mild winters, and notably overlapping tornado and hurricane seasons. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 39428 carries an overall risk score of 5.9/10, placing it in the moderate category. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. The area also faces notable exposure to hail and heat.
Within Mississippi, ZIP 39428's risk is, near the 6.1/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Mississippi identifies hurricane as the foremost hazard, followed by hail and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
ZIP 39428's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hurricane exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 39428: Hurricane preparedness
- Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
- 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.
Risk for the surrounding area
Local Factors for ZIP 39428
These city-level factors differentiate ZIP 39428 from other communities in Mississippi County and provide geographic context for its hazard exposure.
Population
8,977
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Warm Subtropical
Latitude 31.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.1/10
Coordinates
31.6502° N, 89.5721° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 39428
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Mississippi
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.