Madison, IL
Madison, IL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Madison at the 20th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 2,513 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 21st percentile nationally.
Where Madison's buildings actually sit
Most of Madison's buildings (93.9% of 2,513) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Madison ranks
Madison's 61st-percentile standing inside Illinois outpaces its 20th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Madison ranks 25,269 for wildfire risk (1 is highest) and 6,278 by building count (1 is largest). Within Illinois alone, it ranks 564 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Madison
Madison's low rating (20th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Madison's 93.9% 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.
More on how this number was built
Every one of the two percentiles behind Madison's 25,269-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Madison, see the exposure-zones guide.