Madeira Beach, FL
Madeira Beach, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Madeira Beach lands at the 53rd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 2,069 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Madeira Beach at the 54th percentile, close to its 53rd-percentile risk score.
Where Madeira Beach's buildings actually sit
Only 2.3% of Madeira Beach's 2,069 buildings carry Direct exposure and 0% carry Indirect; the remaining 97.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Madeira Beach against the rest of the country
Madeira Beach's 53rd national percentile looks worse in isolation than its 6th ranking inside Florida does — this place is on the milder end for its own state, by 47 points. Among the 31,521 US communities USFS scores, Madeira Beach ranks 14,711 for wildfire risk (1 is highest) and 7,286 by building count (1 is largest). Within Florida alone, it ranks 895 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
What this risk score means for insurance
At the 53rd national percentile, Madeira Beach rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Madeira Beach
Madeira Beach's 97.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Madeira Beach's figures come from
Madeira Beach's 53rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Madeira Beach's dominant minimal exposure actually means, with real examples from across the dataset.