Madison, OH
Madison, OH's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Madison at the 36th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,645 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 39th percentile nationally.
Where Madison's buildings actually sit
1,645 buildings are counted in Madison, and 43.6% of them are Indirect exposure — ember-driven risk rather than the 41.8% in Direct exposure or the 14.6% rated Minimal.
Where Madison ranks
Compare Madison's two percentiles: 80th within Ohio, only 36th nationally — a gap of 43 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Madison ranks 20,082 for wildfire risk (1 is highest) and 8,605 by building count (1 is largest). Within Ohio alone, it ranks 259 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
At the 36th national percentile, Madison rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because 43.6% of Madison's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Madison's 36th-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.