Madeira, OH
Madeira wildfire risk explained
Out of every US place USFS scores, Madeira lands at the 19th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 4,169 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Madeira's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Madeira: 57.6% of its 4,169 buildings, versus 31.9% Indirect and 10.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Madeira against the rest of the country
Within Ohio, Madeira ranks higher (50th percentile) than it does nationally (19th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Madeira ranks 25,414 for wildfire risk (1 is highest) and 4,083 by building count (1 is largest). Within Ohio alone, it ranks 635 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
What this risk score means for insurance
Madeira's low wildfire rating (19th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Madeira's 57.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 4,169 counted buildings into the percentiles shown above for Madeira. For more on what direct exposure implies beyond Madeira, see the exposure-zones guide.