There problem, Drew, is that your "htdocs" directory is empty.
Your "tilde" directory is
and I suspect that's where you have uploaded your index.html file to.
There's a lot of stuff in that directory that you do not want to make available to the general public; it's a security problem. Instead, there is a subdirectory that holds your web files.
Traditionally, your home page is
but a lot of accounts here at Dreamhost have multiple sites, so it's more likely to be something like
You can change the directory that your stuff goes in, if you have reason to, so it's hard to give absolute answers without looking over your shoulder as you look at the control panel....