How can server settings affect the loading of PHP files over HTML files?

Server settings can affect the loading of PHP files over HTML files by determining which file types are processed by the PHP engine. To prioritize loading PHP files over HTML files, you can adjust the server configuration to handle PHP files first. This can be done by modifying the server's configuration file to set the default index file to be a PHP file, such as index.php, or by configuring the server to process PHP files before HTML files.

<IfModule mod_rewrite.c>
    RewriteEngine On
    RewriteCond %{REQUEST_FILENAME} !-d
    RewriteCond %{REQUEST_FILENAME} !-f
    RewriteRule ^ index.php [L]
</IfModule>