Natural hazards · Madison

Madison, AR natural hazards

Most of the natural-hazard damage FEMA expects in Madison comes from tornadoes, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1978. 6 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Madison?

69
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madison to be higher than in 69% of U.S. communities, mostly from tornadoes and earthquakes.

Tornadoes45%Earthquakes18%Inland flooding15%Heat waves6%Strong wind6%Everything else10%
By hazard

What Madison faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Tornadoes

45% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 11 years in the area

Earthquakes

18% of expected damage
Well above average · higher than 86% of U.S. places

Inland flooding

15% of expected damage
Below average · higher than 39% of U.S. places
Recorded about once every 2 years in the area

Heat waves

6% of expected damage
Above average · higher than 61% of U.S. places
Recorded about 23 times a year in the area

Strong wind

6% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Madison flood?

Every paid claim on a federal flood insurance policy in Madison, from FEMA’s records.

3paid claims since 1978
$19Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Mid-spring storms: 1 claim, $15K
of all homes
are insured
No community discount. Madison isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: St. Francis County.
Disasters that hit Madison

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in Madison itself: aid to households, or repair grants to the City of Madison.

Brought FEMA money into MadisonDeclared for St. Francis County only
2025

Severe Storms, Tornadoes, and Flooding

22 households applied for aid $63K aid approved
2011

Severe Storms, Tornadoes, and Associated Flooding

40 households applied for aid $101K aid approved $13K to the City of Madison for repairs
2009

Severe Storms, Tornadoes, and Flooding

$47K to the City of Madison for repairs
2008

Severe Storms, Tornadoes, and Flooding

10 households applied for aid $17K to the City of Madison for repairs
2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $4K aid approved
2000

Severe Winter Ice Storm

$4K to the City of Madison for repairs
St. Francis County has had 17 natural disasters declared since 1953, most often severe storms and floods.
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Madison covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Madison’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Madison. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Madison total about $2.6M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01