Natural hazards · Madisonville

Madisonville, TN natural hazards

Most of the natural-hazard damage FEMA expects in Madisonville comes from inland flooding, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Madisonville?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Madisonville to be higher than in 44% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding40%Earthquakes29%Tornadoes10%Cold waves7%Strong wind7%Everything else7%

By hazard

What Madisonville faces

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

Inland flooding

40% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once a year in the area

Earthquakes

29% of expected damage

Well above average · higher than 83% of U.S. places

Tornadoes

10% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 99 years in the area

Cold waves

7% of expected damage

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

Recorded about once every 2 years in the area

Strong wind

7% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Madisonville flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Monroe County.

Disasters that hit Madisonville

4 federal disasters brought FEMA money here

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

Brought FEMA money into MadisonvilleDeclared for Monroe County only

2015

Severe Winter Storm and Flooding

$30K to the City of Madisonville for repairs

2012

Severe Storms, Tornadoes, Straight-Line Winds and

7 households applied for aid $4K aid approved

2011

Severe Storms, Tornadoes, Straight-Line Winds, and Associated Flooding

147 households applied for aid $34K aid approved

2003

Severe Storms, Tornadoes, and Flooding

65 households applied for aid $114K aid approved $3K to the City of Madisonville for repairs

Monroe County has had 15 natural disasters declared since 1953, most often severe storms and winter 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. Madisonville 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 Madisonville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Madisonville. 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.