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Bay St. Louis city, MS

ZIP 39520 — Climate & Environment

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Climate, disaster risk, air quality, and environmental safety

Environment & Risk in ZIP Code 39520

Disaster Risk (FEMA NRI)

County-linked natural hazard risk from FEMA National Risk Index — useful for comparing insurance and disaster exposure.

FEMA’s National Risk Index rates natural-hazard risk for Bay St. Louis city, MS as Relatively Moderate (composite score 82.7), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (95.2) and wildfire (90.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Overall rating
Relatively Moderate
Risk index
82.7
Flood risk
67.2
Wildfire risk
90.4
Hurricane risk
95.2
Earthquake risk
44.7
Tornado risk
76.6
Winter weather risk
35.3
Hail risk
55.2
Air Quality (EPA AQI)

County-level annual air quality from EPA. Good days = healthy to breathe; unhealthy = sensitive groups or worse.

44
Median AQI
67.8%
Good Days

Air quality healthy to breathe

0.0%
Unhealthy / Hazardous

Sensitive groups or worse

Climate & Weather in ZIP Code 39520

Climate normals for Bay St. Louis city, MS show little to no average snow and around 65.0 inches of annual precipitation. Pair that with FEMA NRI hazard context (overall rating Relatively Moderate) when evaluating long-term housing and insurance exposure.

7-day weather forecast

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Sunrise, sunset & moon

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Monthly Temperature

30-year climate normals (avg. monthly temperature)

Climate Data
Hardiness Zone
9a
Annual Snow Days
0
Annual Precipitation
64.99 in
FEMA NRI rating
Relatively Moderate

Climate & Environment key statistics

Climate statistics
Climate
Hardiness zone9a
Annual precip (in)64.99
Snow days0
Broadband access87.3%
Risk & Air Quality statistics
Risk & Air Quality
NRI ratingRelatively Moderate
NRI risk index82.7
Flood risk (NRI)67.2
Wildfire risk (NRI)90.4
Hurricane risk (NRI)95.2
IRS net migration528
Median AQI44
Good AQI days67.8%