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Natural hazards · Madison

Madison, NH natural hazards

Most of the natural-hazard damage FEMA expects in Madison comes from inland flooding, and overall the risk is high for a U.S. community. 7 federal disasters brought FEMA money into town.

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

How exposed is Madison?

62
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madison to be higher than in 62% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding69%Hurricanes17%Everything else15%
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

69% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

17% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about once every 11 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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: Carroll County.
Disasters that hit Madison

7 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 Carroll County only
2023

Severe Storms and Flooding

$442K to the Town of Madison for repairs
2013

Severe Winter Storm and Snowstorm

$11K to the Town of Madison for repairs
2011

Tropical Storm Irene

3 households applied for aid $253 aid approved $4K to the Town of Madison for repairs
2007

Severe Storms and Flooding

$630K to the Town of Madison for repairs
2006

Severe Storms and Flooding

1 household applied for aid $1K aid approved
2005

Record Snow

$13K to the Town of Madison for repairs
2005

Record And/Or Near Record Snow

$7K to the Town of Madison for repairs
Carroll County has had 27 natural disasters declared since 1953, most often severe storms and winter storms.
Around Madison

Madison and the towns around it

Conway: High, mostly inland floodingEaton: High, mostly inland floodingFreedom: High, mostly inland floodingAlbany: High, mostly inland floodingTamworth: High, mostly inland floodingBartlett: Very high, mostly inland floodingFryeburg: Moderate, mostly inland floodingChatham: High, mostly inland floodingBrownfield: Moderate, mostly inland floodingOssipee: High, mostly inland floodingEffingham: High, mostly inland floodingPorter: Moderate, mostly inland floodingWaterville Valley: Very high, mostly inland floodingSandwich: High, mostly inland floodingMoultonborough: Moderate, mostly inland floodingMadison: High, mostly inland flooding MadisonConwayEatonFreedomAlbanyTamworth
Very lowLowModerateHighVery high
Conwaymostly inland floodingHigh
Albanymostly inland floodingHigh
Tamworthmostly inland floodingHigh
Freedommostly inland floodingHigh
Madisonmostly inland floodingHigh
Eatonmostly inland floodingHigh
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 $1.5M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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