Natural hazards · Madison

Madison, OH 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 9 claims here since 2011.

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 54% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding59%Tornadoes19%Cold waves14%Everything else9%

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

59% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 88 years in the area

Cold waves

14% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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?

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

9paid claims since 2011

$40Kpaid to owners

0homes flooded more than once

20112026

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: Butler County.

Disasters that hit Madison

Federal disasters declared here

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

Brought FEMA money into MadisonDeclared for Butler County only

Butler County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Madison

Madison and the towns around it

Very lowLowModerateHighVery high

St. Clairmostly inland floodingVery high

Woodsdalemostly inland floodingHigh

Trentonmostly inland floodingHigh

Germanmostly inland floodingHigh

Middletownmostly inland floodingModerate

Madisonmostly inland floodingModerate

Franklinmostly inland floodingModerate

Lemonmostly inland floodingModerate

Gratismostly inland floodingModerate

Waynemostly inland floodingLow

Fairfieldmostly inland floodingLow

Libertymostly inland floodingLow

Monroemostly 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 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Madison’s own flood-insurance community (here, the census tracts inside it); 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.

FEMA’s expected losses across Madison total about $2.4M 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.