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Natural hazards · Madison

Madison, ME natural hazards

Most of the natural-hazard damage FEMA expects in Madison comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

How exposed is Madison?

32
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madison to be higher than in 32% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves36%Inland flooding27%Hurricanes18%Everything else20%
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.

Cold waves

36% of expected damage
Below average · higher than 47% of U.S. places
Recorded about 3 times a year in the area

Inland flooding

27% of expected damage
Below average · higher than 25% of U.S. places
Recorded about 4 times a year in the area

Hurricanes

18% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once every 10 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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.

4paid claims since 1978
$287Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • December Nor'easter: 2 claims, $202K
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: Somerset County.
Disasters that hit Madison

10 federal disasters brought FEMA money here

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

Brought FEMA money into MadisonDeclared for Somerset County only
2023

Severe Storm and Flooding

19 households applied for aid $64K aid approved $94K to the Town of Madison for repairs
2022

Severe Storm and Flooding

$7K to the Town of Madison for repairs
2017

Severe Storm and Flooding

$13K to the Town of Madison for repairs
2007

Severe Storms and Inland and Coastal Flooding

$9K to the Town of Madison for repairs
2005

Snow

$12K to the Town of Madison for repairs
2005

Record And/Or Near Record Snow

$14K to the Town of Madison for repairs
2003

Snow

$18K to the Town of Madison for repairs
2003

Severe Storms, Flooding, Snow Melt and Ice Jams

$19K to the Town of Madison for repairs
2001

Snow

$11K to the Town of Madison for repairs
2000

Severe Storms, Flooding, and Ice Jams

$34K to the Town of Madison for repairs
Somerset County has had 25 natural disasters declared since 1953, most often severe storms and floods.
Around Madison

Madison and the towns around it

Anson: Moderate, mostly inland floodingNorridgewock: Moderate, mostly inland floodingStarks: Moderate, mostly inland floodingSolon: High, mostly inland floodingSkowhegan: Low, mostly inland floodingCornville: Moderate, mostly inland floodingEmbden: High, mostly inland floodingNew Portland: High, mostly inland floodingIndustry: High, mostly inland floodingNew Vineyard: High, mostly inland floodingMercer: Moderate, mostly inland floodingSmithfield: Moderate, mostly inland floodingFairfield: Moderate, mostly cold wavesNew Sharon: High, mostly inland floodingAthens: Moderate, mostly inland floodingBingham: High, mostly inland floodingBrighton plantation: Moderate, mostly inland floodingCanaan: Moderate, mostly inland floodingHartland: Moderate, mostly inland floodingMadison: Low, mostly cold waves MadisonAnsonNorridgewockStarksSolonSkowheganCornville
Very lowLowModerateHighVery high
Solonmostly inland floodingHigh
Norridgewockmostly inland floodingModerate
Ansonmostly inland floodingModerate
Cornvillemostly inland floodingModerate
Starksmostly inland floodingModerate
Skowheganmostly inland floodingLow
Madisonmostly cold wavesLow
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; household aid to the registrant’s city; repair grants to the Town 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 $1.9M 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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You’re in Madison, MESomerset CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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