North Madison, OH
North Madison, OH's wildfire risk, in USFS's own numbers
USFS scores North Madison at the 36th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 4,099 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 North Madison at the 38th percentile, close to its 36th-percentile risk score.
What "at risk" means for the buildings here
Only 15.8% of North Madison's 4,099 buildings carry Direct exposure and 12.8% carry Indirect; the remaining 71.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How North Madison compares
Compare North 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, North Madison ranks 20,083 for wildfire risk (1 is highest) and 4,140 by building count (1 is largest). Within Ohio alone, it ranks 260 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
North Madison and the insurance market
North Madison's moderate wildfire rating (36th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in North Madison
Even with 71.4% of North Madison outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 4,099 counted buildings into the percentiles shown above for North Madison. For more on what minimal exposure implies beyond North Madison, see the exposure-zones guide.