Property Atlas

County hazard profile

Madison, IN

Indiana · pop. 130,062 · FIPS 18095

Relatively Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$35M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Madison $35M

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 77.26/100
national median ~50 higher than 77% of counties
Social vulnerabilityRelatively Moderate 49.11/100
national median ~50 near the national middle (49th percentile)
Community resilienceRelatively High 67.59/100
national median ~50 near the national middle (68th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Madison

The National Flood Insurance Program has paid 257 flood-insurance claims totaling $3.2M in Madison since 1979. The costliest year was 2013 ($625K paid).

Flood-insurance dollars paid by year of loss

1979: $361 paid 1980: $38,091 paid 1981: $72,416 paid 1983: $34,135 paid 1985: $44,040 paid 1986: $3,958 paid 1989: $203,037 paid 1990: $283,939 paid 1991: $500 paid 1992: $467,274 paid 1993: $85,218 paid 1994: $36,969 paid 1998: $19,383 paid 1999: $5,051 paid 2000: $16,195 paid 2001: $1,178 paid 2002: $8,596 paid 2003: $421,860 paid 2005: $313,226 paid 2007: $14,696 paid 2008: $23,503 paid 2009: $0 paid 2010: $12,073 paid 2011: $126,261 paid 2012: $11,740 paid 2013: $624,705 paid 2014: $13,204 paid 2015: $30,128 paid 2017: $230,418 paid 2019: $40,927 paid 2021: $0 paid 2022: $34,082 paid 2024: $0 paid 2013 · $625K 1979 2024
$3.2M
total paid
$12,518
average claim
$167K
largest single claim
62%
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, IN 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.