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Natural hazards · Madison

Madison, NY 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. Flood insurance has paid 2 claims here since 2008. 9 federal disasters brought FEMA money into town.

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

How exposed is Madison?

45
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madison to be higher than in 45% of U.S. communities, mostly from inland flooding.

Inland flooding82%Tornadoes5%Everything else13%
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

82% of expected damage
Above average · higher than 73% of U.S. places
Recorded about once a year in the area

Tornadoes

5% of expected damage
Below average · higher than 36% of U.S. places
Recorded about once every 56 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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.

2paid claims since 2008
$18Kpaid to owners
1homes flooded more than once
20082026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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: Madison County.
Disasters that hit Madison

9 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 Madison County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$643K to the Town of Madison for repairs
2017

Severe Winter Storm and Snowstorm

$20K to the Town of Madison for repairs
2013

Severe Storms and Flooding

$184K to the Town of Madison for repairs
2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$216K to the Town of Madison for repairs
2006

Severe Storms and Flooding

$85K to the Town of Madison for repairs
2005

Severe Storms and Flooding

$22K to the Town of Madison for repairs
2003

Ice Storm

$10K to the Town of Madison for repairs
2002

Snowstorms

$6K to the Town of Madison for repairs
2000

Severe Storms and Flooding

$25K to the Town of Madison for repairs
Madison County has had 19 natural disasters declared since 1953, most often severe storms and floods.
Around Madison

Madison and the towns around it

Hamilton: Moderate, mostly inland floodingSangerfield: Low, mostly inland floodingEaton: Moderate, mostly inland floodingBrookfield: High, mostly inland floodingAugusta: Low, mostly inland floodingHamilton: Moderate, mostly inland floodingSherburne: High, mostly inland floodingLebanon: Moderate, mostly inland floodingMarshall: Low, mostly inland floodingBridgewater: Moderate, mostly inland floodingNelson: Very low, mostly inland floodingStockbridge: Low, mostly inland floodingPlainfield: High, mostly inland floodingEdmeston: High, mostly inland floodingColumbus: High, mostly inland floodingVernon: Moderate, mostly inland floodingKirkland: Moderate, mostly inland floodingOriskany Falls: Low, mostly inland floodingMadison: Moderate, mostly inland flooding MadisonHamiltonSangerfieldEatonBrookfieldAugustaHamilton
Very lowLowModerateHighVery high
Brookfieldmostly inland floodingHigh
Hamiltonmostly inland floodingModerate
Hamiltonmostly inland floodingModerate
Madisonmostly inland floodingModerate
Eatonmostly inland floodingModerate
Augustamostly inland floodingLow
Sangerfieldmostly inland floodingLow
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 $1.6M 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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