Natural hazards · Madison

Madison, GA natural hazards

Most of the natural-hazard damage FEMA expects in Madison comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Madison?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madison to be higher than in 30% of U.S. communities, mostly from inland flooding.

Inland flooding62%Tornadoes13%Earthquakes7%Strong wind5%Everything else14%

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.

Inland flooding

62% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

13% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 43 years in the area

Earthquakes

7% of expected damage

Above average · higher than 65% of U.S. places

Strong wind

5% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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?

FEMA's records show no paid flood insurance claims in Madison.

of homes in flood zones
are insured

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: Morgan County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Madison

3 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 Morgan County only

2017

Hurricane Irma

$35K to the City of Madison for repairs

2015

Severe Storms and Flooding

$33K to the City of Madison for repairs

2011

Severe Storms, Tornadoes, Straight-Line Winds, and Associated Flooding

159 households applied for aid $156K aid approved $118K to the City of Madison for repairs

Morgan County has had 9 natural disasters declared since 1953, most often hurricanes and severe storms.

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 is smaller than a census tract, so it shares the figures of the tract around its center.

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.

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.