Madison, FL natural hazards
Most of the natural-hazard damage FEMA expects in Madison comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 6 claims here since 1987. 12 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Madison?
FEMA expects yearly storm and flood damage to homes and buildings in Madison to be higher than in 83% of U.S. communities, mostly from hurricanes and inland flooding.
What Madison faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Inland flooding
Tornadoes
Cold waves
Lower here
Not a risk here
Does Madison flood?
Every paid claim on a federal flood insurance policy in Madison, from FEMA’s records.
Homes that flooded again and again
■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times
are insured
are insured
What’s been done with FEMA grants
12 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.
Hurricane Milton
Hurricane Helene
Hurricane Debby
Hurricane Idalia
Hurricane Ian
Hurricane Michael
Hurricane Irma
Hurricane Hermine
Tropical Storm Debby
Severe Storms, Flooding, Tornadoes, and Straight-Line Winds
Tropical Storm Fay
Hurricane Jeanne
How to read this page
FEMA’s expected losses across Madison total about $1.4M 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.