Property Atlas

County hazard profile

Madison, KY

Kentucky · pop. 92,690 · FIPS 21151

Relatively Low
FEMA risk rating · RATING
Lightning
dominant hazard
$37M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Madison $37M

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 74.84/100
national median ~50 higher than 75% of counties
Social vulnerabilityRelatively Low 28.53/100
national median ~50 lower than most counties (29th percentile)
Community resilienceRelatively High 62.34/100
national median ~50 near the national middle (62nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Madison

The National Flood Insurance Program has paid 119 flood-insurance claims totaling $2.9M in Madison since 1979. The costliest year was 2010 ($852K paid).

Flood-insurance dollars paid by year of loss

1979: $0 paid 1980: $0 paid 1984: $11,567 paid 1989: $4,257 paid 1990: $106 paid 1991: $0 paid 1992: $2,045 paid 1997: $4,974 paid 1998: $1,872 paid 2003: $33,935 paid 2004: $34,150 paid 2010: $852,026 paid 2011: $16,625 paid 2013: $96,276 paid 2014: $74,071 paid 2015: $363,702 paid 2016: $16,511 paid 2019: $100,397 paid 2020: $15,847 paid 2021: $593,956 paid 2022: $38,933 paid 2023: $41,323 paid 2025: $572,210 paid 2010 · $852K 1979 2025
$2.9M
total paid
$24,158
average claim
$158K
largest single claim
49%
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, KY 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.