Property Atlas

County hazard profile

Madison, MO

Missouri · pop. 12,581 · FIPS 29123

Relatively Low
FEMA risk rating · RATING
Heat Wave
dominant hazard
$15M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Madison $15M

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 50.86/100
national median ~50 near the national middle (51st percentile)
Social vulnerabilityRelatively Moderate 52.64/100
national median ~50 near the national middle (53rd percentile)
Community resilienceRelatively Moderate 50.16/100
national median ~50 near the national middle (50th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Madison

The National Flood Insurance Program has paid 155 flood-insurance claims totaling $2.6M in Madison since 1981. The costliest year was 1999 ($1.1M paid).

Flood-insurance dollars paid by year of loss

1981: $660 paid 1982: $7,666 paid 1986: $54,279 paid 1993: $84,111 paid 1997: $3,230 paid 1999: $1,115,376 paid 2002: $810,474 paid 2004: $2,494 paid 2006: $138,333 paid 2008: $22,279 paid 2013: $1,962 paid 2017: $52,937 paid 2022: $291,479 paid 2023: $26,578 paid 1999 · $1.1M 1981 2023
$2.6M
total paid
$16,851
average claim
$378K
largest single claim
61%
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, MO 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.