Madrid, NY
Madrid wildfire risk explained
USFS scores Madrid at the 11th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 493 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Madrid at the 11th percentile, close to its 11th-percentile risk score.
Madrid's building exposure, zone by zone
USFS classifies 64.1% of Madrid's buildings as Direct exposure, higher than its 35.3% Indirect share and far above its 0.6% Minimal share — a profile where 316 structures sit close enough to vegetation that lot clearing matters most.
Madrid against the rest of the country
Madrid's 27th-percentile standing inside New York outpaces its 11th 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, Madrid ranks 27,993 for wildfire risk (1 is highest) and 17,479 by building count (1 is largest). Within New York alone, it ranks 940 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Madrid and the insurance market
Madrid's low rating (11th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Madrid (64.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Madrid's figures come from
The methodology guide shows exactly how USFS turned 493 counted buildings into the percentiles shown above for Madrid. The exposure-zones guide covers what Madrid's dominant direct exposure actually means, with real examples from across the dataset.