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 very low for a U.S. community. Flood insurance has paid 14 claims here since 1989. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Madison?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madison to be higher than in 10% of U.S. communities, mostly from inland flooding.

Inland flooding69%Tornadoes11%Everything else20%

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

Well below average · higher than 23% of U.S. places

Recorded about once a year in the area

Tornadoes

11% of expected damage

Above average · higher than 55% of U.S. places

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.

14paid claims since 1989

$226Kpaid to owners

3homes flooded more than once

19892026

Biggest named events

Late winter storms: 4 claims, $62K

Homes that flooded again and again

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

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: Lake County.

Disasters that hit Madison

2 federal disasters brought FEMA money here

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

Brought FEMA money into MadisonDeclared for Lake County only

2008

Record Snow and Near Record Snow

$10K to the Village of Madison for repairs

2006

Severe Storms, Straight Line Winds, and Flooding

328 households applied for aid $586K aid approved $147K to the Village of Madison for repairs

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

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 Village 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 $577K 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.