Natural hazards · Madison

Madison, MO 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.

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 44% of U.S. communities, mostly from inland flooding and drought.

Inland flooding30%Drought26%Tornadoes16%Cold waves11%Heat waves7%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

30% of expected damage

Above average · higher than 50% of U.S. places

Recorded about once every 2 years in the area

Drought

26% of expected damage

Recorded about 17 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 4 years in the area

Cold waves

11% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 5 times a year in the area

Heat waves

7% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 9 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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?

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

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: Harrison County.

Disasters that hit Madison

Federal disasters declared here

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

Brought FEMA money into MadisonDeclared for Harrison County only

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

Around Madison

Madison and the towns around it

Very lowLowModerateHighVery high

Harrisonmostly inland floodingHigh

Lindleymostly inland floodingModerate

Madisonmostly inland floodingModerate

Marionmostly inland floodingModerate

Claymostly inland floodingModerate

Trail Creekmostly inland floodingModerate

Cainsvillemostly inland floodingModerate

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 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’s own flood-insurance community; 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.

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.