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Natural hazards · Madison Lake

Madison Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Madison Lake comes from cold waves, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Madison Lake?

38
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madison Lake to be higher than in 38% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves37%Inland flooding29%Strong wind11%Tornadoes10%Hail5%Everything else8%
By hazard

What Madison Lake faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Cold waves

37% of expected damage
Above average · higher than 64% of U.S. places
Recorded about 11 times a year in the area

Inland flooding

29% of expected damage
Below average · higher than 39% of U.S. places
Recorded about once a year in the area

Strong wind

11% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

10% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about once every 24 years in the area

Hail

5% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Lake flood?

FEMA's records show no paid flood insurance claims in Madison Lake.

of all homes
are insured
No community discount. Madison Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Blue Earth County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared
Disasters that hit Madison Lake

3 federal disasters brought FEMA money here

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

Brought FEMA money into Madison LakeDeclared for Blue Earth County only
2024

Severe Storms and Flooding

18 households applied for aid $28K aid approved
2016

Severe Storms and Flooding

13 households applied for aid $29K aid approved
2014

Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

$43K to the City of Madison Lake for repairs
Blue Earth County has had 20 natural disasters declared since 1953, most often floods and severe storms.
Around Madison Lake

Madison Lake and the towns around it

Jamestown: Low, mostly cold wavesLe Ray: Low, mostly cold wavesWashington: Moderate, mostly inland floodingLime: Low, mostly cold wavesKasota: Moderate, mostly inland floodingEagle Lake: Low, mostly cold wavesMcPherson: High, mostly inland floodingJanesville: Moderate, mostly inland floodingMankato: High, mostly inland floodingMadison Lake: Low, mostly cold waves Madison LakeJamestownLe Ray
Very lowLowModerateHighVery high
Madison Lakemostly cold wavesLow
Jamestownmostly cold wavesLow
Le Raymostly 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 Lake is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Madison Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Madison Lake. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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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