Natural hazards · Madison

Madison, IN natural hazards

Most of the natural-hazard damage FEMA expects in Madison comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 11 claims here since 1983.

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

Expected damage

How exposed is Madison?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madison to be higher than in 46% of U.S. communities, mostly from inland flooding.

Inland flooding47%Tornadoes15%Cold waves12%Strong wind9%Hail6%Everything else11%

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

47% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 23 years in the area

Cold waves

12% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 5 times a year in the area

Hail

6% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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.

11paid claims since 1983

$140Kpaid to owners

0homes flooded more than once

19832026

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: Clinton County.

Disasters that hit Madison

Federal disasters declared here

None of the disasters declared for Clinton County shows FEMA aid or repair money reaching Madison itself in FEMA’s records.

Brought FEMA money into MadisonDeclared for Clinton County only

Clinton County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Madison

Madison and the towns around it

Very lowLowModerateHighVery high

Madisonmostly inland floodingModerate

Rossmostly inland floodingModerate

Washingtonmostly inland floodingLow

Sheffieldmostly inland floodingVery low

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 (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township 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 $1.8M 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.