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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 48 claims here since 1978.

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 flooding69%Cold waves9%Tornadoes8%Heat waves5%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

69% of expected damage
Above average · higher than 69% of U.S. places
Recorded about 4 times a year in the area

Cold waves

9% of expected damage
Below average · higher than 31% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

8% of expected damage
Above average · higher than 60% of U.S. places

Heat waves

5% of expected damage
Below average · higher than 36% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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.

48paid claims since 1978
$230Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Not a named storm: 1 claim, $596
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: Franklin County.
Disasters that hit Madison

Federal disasters declared here

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

Brought FEMA money into MadisonDeclared for Franklin County only
Franklin County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.
Around Madison

Madison and the towns around it

Columbus: Low, mostly inland floodingBlacklick Estates: High, mostly inland floodingCanal Winchester: Moderate, mostly inland floodingGroveport: Very low, mostly inland floodingObetz: Very low, mostly inland floodingViolet: Low, mostly inland floodingHamilton: Very low, mostly inland floodingTruro: Low, mostly inland floodingPickerington: Moderate, mostly inland floodingMadison: Moderate, mostly inland floodingBloom: Low, mostly inland floodingNorwich: Low, mostly inland floodingJackson: Very low, mostly inland floodingMifflin: Moderate, mostly inland floodingPlain: Low, mostly inland floodingWashington: Low, mostly inland floodingBlendon: High, mostly inland floodingPrairie: Low, mostly inland floodingHilliard: Low, mostly inland floodingSharon: Very low, mostly inland floodingJefferson: Low, mostly inland floodingLithopolis: Low, mostly inland floodingLiberty: Moderate, mostly inland floodingReynoldsburg: Low, mostly inland floodingEtna: Very low, mostly inland floodingLockbourne: Very low, mostly inland floodingGrove City: Very low, mostly inland floodingHarrison: High, mostly inland floodingBrice: Very low, mostly inland floodingWalnut: Moderate, mostly inland floodingGreenfield: Very low, mostly inland floodingAmanda: Very low, mostly inland floodingMadison: Moderate, mostly inland flooding MadisonColumbusBlacklick EstatesCanal WinchesterGroveportObetzVioletHamiltonTruroPickeringtonMadisonBloom
Very lowLowModerateHighVery high
Blacklick Estatesmostly inland floodingHigh
Canal Winchestermostly inland floodingModerate
Madisonmostly inland floodingModerate
Madisonmostly inland floodingModerate
Pickeringtonmostly inland floodingModerate
Violetmostly inland floodingLow
Columbusmostly inland floodingLow
Truromostly inland floodingLow
Bloommostly inland floodingLow
Groveportmostly inland floodingVery low
Hamiltonmostly inland floodingVery low
Obetzmostly 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. Madison covers 9 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 $12.3M 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.

The door’s open

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You’re in Madison, OHFranklin CountyView boundary

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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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