🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 39476

Richton, Mississippi

4.7out of 10
Moderate Risk

Risk Summary for ZIP 39476

ZIP 39476 scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Wildfire Tsunami

All 18 Hazard Scores

Hurricane
8.7
Wildfire
7.4
Tsunami
5.4
Tornado
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Extreme Heat
4.8
Avalanche
4.5
Drought
4.4
Lightning
4.4
Landslide
4.4
Earthquake
4.1
Hail
3.9
Ice Storm
3.6
Strong Wind
3.4
Cold Wave
2.7
Winter Weather
2.5
Riverine Flooding
1.0

How it compares

ZIP 39476
4.7
Mississippi avg.
6.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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 39476, Mississippi

ZIP 39476 in Richton 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 39476 carries an overall risk score of 4.7/10, 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 wildfire and tsunami.

Within Mississippi, ZIP 39476's risk is, slightly below the 6.1/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Mississippi identifies hurricane as the foremost hazard, followed by wildfire and tsunami. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 39476 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hurricane is recommended.

What this means for ZIP 39476: 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 39476

These city-level factors differentiate ZIP 39476 from other communities in Mississippi County and provide geographic context for its hazard exposure.

Population

6,600

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 31.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.4/10

Coordinates

31.3786Β° N, 88.8676Β° 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 39476

Last 12 months Β· Source: Open-Meteo archive

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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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.