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Natural hazards · Madison

Madison, IL natural hazards

Most of the natural-hazard damage FEMA expects in Madison comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 17 claims here since 1982. 2 federal disasters brought FEMA money into town.

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

How exposed is Madison?

80
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madison to be higher than in 80% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding48%Earthquakes22%Tornadoes12%Heat waves7%Cold waves6%Everything else5%
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

48% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about once a year in the area

Earthquakes

22% of expected damage
Well above average · higher than 85% of U.S. places

Tornadoes

12% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about once every 60 years in the area

Heat waves

7% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 15 times a year in the area

Cold waves

6% of expected damage
Well below average · higher than 18% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightningDrought

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.

17paid claims since 1982
$188Kpaid to owners
2homes flooded more than once
19822026

Biggest named events

  • Midwest Flooding: 2 claims, $826
  • Early winter storms: 1 claim, $6K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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: Madison County.
Disasters that hit Madison

2 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 Madison County only
2019

Severe Storms and Flooding

$139K to the City of Madison for repairs
2008

Severe Storms and Flooding

$61K to the City of Madison for repairs
Madison County has had 14 natural disasters declared since 1953, most often floods and severe storms.
Around Madison

Madison and the towns around it

Granite City: Very high, mostly inland floodingGranite City: Very high, mostly inland floodingFairmont City: Very high, mostly earthquakesVenice: High, mostly inland floodingVenice: High, mostly inland floodingNameoki: Very high, mostly inland floodingBrooklyn: High, mostly earthquakesPontoon Beach: Very high, mostly inland floodingHartford: High, mostly inland floodingChouteau: High, mostly inland floodingEast St. Louis: Very high, mostly inland floodingEast St. Louis: Very high, mostly inland floodingCollinsville: Moderate, mostly inland floodingCanteen: Very high, mostly inland floodingStites: High, mostly earthquakesCaseyville: High, mostly inland floodingWashington Park: Very high, mostly inland floodingSt. Louis: High, mostly heat wavesCollinsville: Moderate, mostly inland floodingMitchell: High, mostly inland floodingEdwardsville: Moderate, mostly earthquakesGlen Carbon: Moderate, mostly inland floodingEdwardsville: Moderate, mostly inland floodingRoxana: High, mostly inland floodingWood River: High, mostly inland floodingSouth Roxana: High, mostly inland floodingMadison: Very high, mostly inland flooding MadisonGranite CityGranite CityFairmont CityVeniceVeniceNameokiBrooklynPontoon BeachHartford
Very lowLowModerateHighVery high
Granite Citymostly inland floodingVery high
Nameokimostly inland floodingVery high
Granite Citymostly inland floodingVery high
Fairmont Citymostly earthquakesVery high
Pontoon Beachmostly inland floodingVery high
Madisonmostly inland floodingVery high
Venicemostly inland floodingHigh
Brooklynmostly earthquakesHigh
Venicemostly inland floodingHigh
Hartfordmostly inland floodingHigh
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 3 census tracts, 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 $9.1M 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
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