Madison County, Florida: hazard risk
FEMA rates Madison County's overall risk Relatively Low (score 47.4 of 100, higher than 47% of rated U.S. counties). Its storm record holds 458 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Hurricane | Relatively Moderate | 90.6 | $6.0M |
| Lightning | Relatively Moderate | 63.7 | $278K |
| Wildfire | Relatively Low | 63.5 | $77K |
| Cold Wave | Relatively Low | 48.0 | $621K |
| Heat Wave | Relatively Low | 44.8 | $206K |
| Tornado | Relatively Low | 38.2 | $565K |
| Drought | Relatively Low | 36.4 | $34K |
| Strong Wind | Relatively Low | 20.3 | $132K |
| Riverine Flooding | Very Low | 33.3 | $2.7M |
| Earthquake | Very Low | 32.5 | $68K |
| Hail | Very Low | 16.9 | $42K |
| Landslide | Very Low | 16.2 | $52 |
| Winter Weather | Very Low | 10.3 | $6K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 284 | 0 | $11M | 22nd of 67 | 1058th of 3,080 |
| Hail | 35 | 0 | $351K | 51st of 67 | 2572nd of 3,080 |
| Drought | 34 | 0 | – | 10th of 67 | 967th of 3,063 |
| Floods | 27 | 1 | $10M | 47th of 67 | 2203rd of 3,080 |
| Hurricanes and tropical storms | 26 | 0 | $1.1B | 30th of 67 | 190th of 1,849 |
| Tornadoes | 23 | 5 | $63M | 52nd of 67 | 1546th of 3,080 |
| Heavy rain | 11 | 0 | – | 39th of 67 | 968th of 3,080 |
| Heat | 6 | 0 | – | 16th of 67 | 1565th of 3,076 |
| Lightning | 5 | 0 | $834K | 46th of 67 | 950th of 3,080 |
| Winter storms | 3 | 0 | $249K | 20th of 67 | 2986th of 3,077 |
| Extreme cold | 2 | 0 | $50K | 46th of 67 | 2559th of 3,076 |
| Wildfires | 1 | 0 | – | 50th of 67 | 1026th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Madison County record: every hazard by year and month, the deadliest events and FEMA's declarations.