Madison County, Missouri: hazard risk
FEMA rates Madison County's overall risk Relatively Low (score 50.9 of 100, higher than 50% of rated U.S. counties). Its storm record holds 285 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 |
|---|---|---|---|
| Heat Wave | Relatively Moderate | 84.2 | $1.8M |
| Cold Wave | Relatively Moderate | 76.0 | $2.6M |
| Strong Wind | Relatively Moderate | 55.8 | $584K |
| Earthquake | Relatively Low | 81.3 | $1.7M |
| Landslide | Relatively Low | 67.8 | $4K |
| Winter Weather | Relatively Low | 59.4 | $80K |
| Riverine Flooding | Relatively Low | 54.3 | $6.8M |
| Tornado | Relatively Low | 51.9 | $1.2M |
| Ice Storm | Relatively Low | 35.4 | $39K |
| Lightning | Relatively Low | 33.4 | $113K |
| Hurricane | Very Low | 33.7 | $17K |
| Wildfire | Very Low | 30.2 | $13K |
| Hail | Very Low | 29.8 | $106K |
| Drought | Very Low | 16.4 | $1K |
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 | 82 | 0 | $474K | 85th of 114 | 1972nd of 3,080 |
| Heat | 49 | 0 | – | 23rd of 114 | 288th of 3,076 |
| Winter storms | 42 | 0 | – | 67th of 114 | 1753rd of 3,077 |
| Hail | 36 | 0 | $1K | 113th of 114 | 2246th of 3,080 |
| Tornadoes | 36 | 0 | $7.3M | 28th of 114 | 741st of 3,080 |
| Floods | 25 | 2 | $11M | 89th of 114 | 1495th of 3,080 |
| Drought | 6 | 0 | – | 101st of 114 | 1916th of 3,063 |
| Extreme cold | 4 | 0 | – | 98th of 114 | 1960th of 3,076 |
| High wind and dust storms | 4 | 0 | $8K | 53rd of 114 | 2465th of 3,080 |
| Heavy rain | 1 | 0 | – | 79th of 114 | 1915th of 3,080 |
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.