Madison, MO
Madison wildfire risk explained
Madison's 397 buildings earn a 62nd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Madison at the 64th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
397 buildings are counted in Madison, and 72.8% of them are Indirect exposure — ember-driven risk rather than the 27.2% in Direct exposure or the 0% rated Minimal.
Where Madison ranks
There's little gap between Madison's 62nd national percentile and its 61st percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Madison ranks 11,948 for wildfire risk (1 is highest) and 19,269 by building count (1 is largest). Within Missouri alone, it ranks 415 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
What this risk score means for insurance
At the 62nd percentile nationally, Madison carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Madison
Madison's 72.8% 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.
Where Madison's figures come from
Madison's 62nd-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 Madison's dominant indirect exposure actually means, with real examples from across the dataset.