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Natural hazards · Madrid

Madrid, IA natural hazards

Most of the natural-hazard damage FEMA expects in Madrid comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2008. 4 federal disasters brought FEMA money into town.

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

How exposed is Madrid?

45
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madrid to be higher than in 45% of U.S. communities, mostly from inland flooding and drought.

Inland flooding36%Drought27%Tornadoes17%Cold waves8%Hail5%Everything else7%
By hazard

What Madrid faces

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

Inland flooding

36% of expected damage
Above average · higher than 53% of U.S. places
Recorded about 2 times a year in the area

Drought

27% of expected damage
Recorded about 9 times a year in the area

Tornadoes

17% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once every 9 years in the area

Cold waves

8% of expected damage
Above average · higher than 74% of U.S. places
Recorded about 8 times a year in the area

Hail

5% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about 6 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Madrid flood?

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

2paid claims since 2008
$8Kpaid to owners
0homes flooded more than once
20082026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Madrid isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Boone County.
Disasters that hit Madrid

4 federal disasters brought FEMA money here

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

Brought FEMA money into MadridDeclared for Boone County only
2020

Severe Storms

94 households applied for aid $10K aid approved $391K to the City of Madrid for repairs
2010

Severe Storms, Flooding, and Tornadoes

9 households applied for aid $10K aid approved $9K to the City of Madrid for repairs
2008

Severe Storms, Tornadoes, and Flooding

35 households applied for aid $84K aid approved $141K to the City of Madrid for repairs
2004

Severe Storms, Tornadoes, and Flooding

83 households applied for aid $137K aid approved $65K to the City of Madrid for repairs
Boone County has had 15 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. Madrid 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 Madrid’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Madrid. 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.

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