Madison, IN 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 71 claims here since 1978. 8 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Madison?
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 tornadoes.
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
Tornadoes
Strong wind
Lower here
Not a risk here
Does Madison flood?
Every paid claim on a federal flood insurance policy in Madison, from FEMA’s records.
Biggest named events
- Central U.S. April Flooding: 5 claims, $252K
- Not a named storm: 3 claims, $2K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times
are insured
are insured
What’s been done with FEMA grants
8 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.
Severe Storms, Straight-Line Winds, Tornadoes, and Flooding
Severe Storms and Flooding
Severe Storms, Straight-Line Winds, and Tornadoes
Severe Storms, Tornadoes, Straight-Line Winds, and
Severe Winter Storm
Severe Storms and Flooding
Severe Storms, Flooding, and Tornadoes
Snow
Madison and the towns around it
How to read this page
FEMA’s expected losses across Madison total about $2.3M 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.