Natural hazards · Madrid

Madrid, NY natural hazards

Most of the natural-hazard damage FEMA expects in Madrid comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1983. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Madrid?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madrid to be higher than in 35% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding62%Cold waves20%Earthquakes11%Everything else7%

By hazard

What Madrid faces

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

Inland flooding

62% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once a year in the area

Cold waves

20% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

11% of expected damage

Well above average · higher than 76% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Madrid flood?

Every paid claim on a federal flood insurance policy in Madrid, from FEMA’s records.

2paid claims since 1983

$4Kpaid to owners

0homes flooded more than once

19832026

of all homes
are insured

No community discount. Madrid isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: St. Lawrence County.

Disasters that hit Madrid

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Madrid itself: aid to households, or repair grants to the Town of Madrid.

Brought FEMA money into MadridDeclared for St. Lawrence County only

2024

Remnants of Tropical Storm Debby

$26K to the Town of Madrid for repairs

1999

Snow

$6K to the Town of Madrid for repairs

St. Lawrence County has had 14 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Madrid

Madrid and the towns around it

Very lowLowModerateHighVery high

Norfolkmostly inland floodingModerate

Madridmostly inland floodingLow

Waddingtonmostly inland floodingLow

Potsdammostly inland floodingLow

Lisbonmostly inland floodingVery low

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. Madrid 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 Madrid’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Madrid. 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.