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 1 claim here since 2026.

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 43% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes17%Cold waves8%Strong wind8%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

53% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

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

Recorded about once every 96 years in the area

Cold waves

8% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 3 times a year in the area

Strong wind

8% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce 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.

1paid claims since 2026

$75Kpaid to owners

0homes flooded more than once

20262026

Biggest named events

2026-08-Indiana-Flooding: 1 claim, $75K

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.

Disasters that hit Madison

Federal disasters declared here

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

Brought FEMA money into MadisonDeclared for Morgan County only

Morgan County has had 16 natural disasters declared since 1953, most often severe storms and floods.

Around Madison

Madison and the towns around it

Very lowLowModerateHighVery high

Harrisonmostly inland floodingHigh

Claymostly inland floodingHigh

White Rivermostly inland floodingModerate

Mooresvillemostly inland floodingModerate

Madisonmostly inland floodingModerate

Brownmostly inland floodingModerate

Decaturmostly inland floodingLow

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 2 census tracts, 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 $3.0M 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.