Madison, FL
Madison, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Madison at the 72nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,515 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Madison's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
Madison's building exposure, zone by zone
62.3% of Madison's 1,515 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 37.7% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Madison ranks
Madison's 72nd national percentile looks worse in isolation than its 30th ranking inside Florida does — this place is on the milder end for its own state, by 42 points. Among the 31,521 US communities USFS scores, Madison ranks 8,941 for wildfire risk (1 is highest) and 9,098 by building count (1 is largest). Within Florida alone, it ranks 673 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
Madison's 72nd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Madison
Madison's 62.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Madison's 72nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Madison, see the exposure-zones guide.