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 low for a U.S. community.

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

Expected damage

How exposed is Madison?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madison to be higher than in 34% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes21%Strong wind9%Cold waves6%Everything else12%

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

52% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once every 5 years in the area

Tornadoes

21% of expected damage

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

Recorded about once every 21 years in the area

Strong wind

9% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 5 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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?

FEMA's records show no paid flood insurance claims in Madison.

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: Williams County.

Disasters that hit Madison

Federal disasters declared here

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

Brought FEMA money into MadisonDeclared for Williams County only

Williams County has had 6 natural disasters declared since 1953, most often severe storms and floods.

Around Madison

Madison and the towns around it

Very lowLowModerateHighVery high

Superiormostly inland floodingModerate

Madisonmostly inland floodingLow

Bridgewatermostly inland floodingLow

Mill Creekmostly inland floodingLow

Holiday Citymostly inland floodingLow

Amboymostly inland floodingLow

Jeffersonmostly 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 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 $1.7M 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.