Property Atlas

County hazard profile

Madison, IL

Illinois · pop. 265,727 · FIPS 17119

Relatively Moderate
FEMA risk rating · RATING
Heat Wave
dominant hazard
$155M
modeled expected annual loss/yr

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

near the national middle (48th percentile)

national median $15M/yr Madison $155M

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 Moderate 93.42/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 25.89/100
national median ~50 lower than most counties (26th percentile)
Community resilienceVery High 86.2/100
national median ~50 higher than 86% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Madison

The National Flood Insurance Program has paid 1,087 flood-insurance claims totaling $8.0M in Madison since 1978. The costliest year was 1993 ($2.0M paid).

Flood-insurance dollars paid by year of loss

1978: $17,547 paid 1979: $613,039 paid 1980: $0 paid 1981: $22,845 paid 1982: $173,242 paid 1983: $106,363 paid 1984: $19,531 paid 1985: $42,994 paid 1986: $252,115 paid 1989: $0 paid 1990: $11,445 paid 1991: $646 paid 1993: $2,022,376 paid 1994: $32,985 paid 1995: $510,186 paid 1996: $59,893 paid 1997: $1,514 paid 1998: $24,288 paid 1999: $5,512 paid 2000: $23,869 paid 2001: $62,622 paid 2002: $168,807 paid 2003: $9,197 paid 2004: $6,867 paid 2005: $54,955 paid 2006: $3,472 paid 2008: $530,866 paid 2009: $170,323 paid 2010: $30,551 paid 2011: $19,454 paid 2012: $4,991 paid 2013: $77,370 paid 2015: $553,757 paid 2016: $249,052 paid 2017: $53,832 paid 2018: $5,445 paid 2019: $1,622,408 paid 2020: $330,920 paid 2021: $5,342 paid 2022: $3,677 paid 2023: $52,815 paid 2024: $17,776 paid 2025: $690 paid 1993 · $2.0M 1978 2025
$8.0M
total paid
$7,337
average claim
$635K
largest single claim
50%
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, IL 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.