Madisonville, TX
Madisonville, TX's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Madisonville lands at the 76th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 2,245 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Madisonville's burn probability — fire likelihood with no building count factored in — sits at the 78th percentile nationally.
Madisonville's building exposure, zone by zone
Indirect exposure is dominant in Madisonville (95.2% of 2,245 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 4.8% sit in the Direct zone.
Where Madisonville ranks
Inside Texas, Madisonville sits at just the 49th percentile even though it scores 76th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Madisonville ranks 7,543 for wildfire risk (1 is highest) and 6,824 by building count (1 is largest). Within Texas alone, it ranks 908 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Madisonville and the insurance market
Madisonville's 76th-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.
What would actually reduce this score
Because 95.2% of Madisonville'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.
Where Madisonville's figures come from
The methodology guide shows exactly how USFS turned 2,245 counted buildings into the percentiles shown above for Madisonville. The exposure-zones guide covers what Madisonville's dominant indirect exposure actually means, with real examples from across the dataset.