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. 3 federal disasters brought FEMA money into town.

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 53% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding34%Heat waves25%Tornadoes14%Cold waves9%Lightning6%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

34% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once a year in the area

Heat waves

25% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 10 times a year in the area

Tornadoes

14% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 9 years in the area

Cold waves

9% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 3 times a year in the area

Lightning

6% of expected damage

Well above average · higher than 88% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windDrought

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 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: Monroe County.

Disasters that hit Madison

3 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.

Brought FEMA money into MadisonDeclared for Monroe County only

2011

Severe Winter Storm and Snowstorm

$989 to the City of Madison for repairs

2006

Severe Storms, Tornadoes and Flooding

23 households applied for aid $93K aid approved

2002

Severe Winter Ice Storm

$5K to the City of Madison for repairs

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

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 City 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.