Madera, PA
Madera wildfire risk explained
Out of every US place USFS scores, Madera lands at the 56th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 376 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 Madera at the 57th percentile, close to its 56th-percentile risk score.
Where Madera's buildings actually sit
63.8% of Madera's 376 buildings sit in USFS's Direct exposure zone, roughly 240 structures close enough to burnable vegetation for flame contact, not just embers — 36.2% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Madera ranks
Compare Madera's two percentiles: 93rd within Pennsylvania, only 56th nationally — a gap of 36 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Madera ranks 13,746 for wildfire risk (1 is highest) and 19,748 by building count (1 is largest). Within Pennsylvania alone, it ranks 150 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Madera and the insurance market
Madera's elevated wildfire rating (56th 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.
Hardening a home in Madera
With 63.8% of Madera in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Madera's 13,746-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Madera, see the exposure-zones guide.