Property Atlas

County hazard profile

Madison, FL

Florida · pop. 17,964 · FIPS 12079

Relatively Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$11M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Madison $11M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 47.42/100
national median ~50 near the national middle (47th percentile)
Social vulnerabilityRelatively High 79.96/100
national median ~50 higher than 80% of counties
Community resilienceRelatively Low 22.68/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Madison

The National Flood Insurance Program has paid 84 flood-insurance claims totaling $1.5M in Madison since 1984. The costliest year was 2009 ($726K paid).

Flood-insurance dollars paid by year of loss

1984: $56,926 paid 1986: $78,741 paid 1987: $14,081 paid 1991: $121,710 paid 1995: $12,300 paid 1998: $207,879 paid 2003: $0 paid 2004: $0 paid 2005: $23,375 paid 2009: $726,464 paid 2013: $171,051 paid 2023: $0 paid 2024: $89,026 paid 2009 · $726K 1984 2024
$1.5M
total paid
$17,876
average claim
$77K
largest single claim
83%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Madison, FL and where it ranks among U.S. counties. It is not a verdict on whether Madison is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.