Madison County, Texas: hazard risk
FEMA rates Madison County's overall risk Very Low (score 34.9 of 100, higher than 34% of rated U.S. counties). Its storm record holds 245 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 |
|---|---|---|---|
| Drought | Relatively Moderate | 79.3 | $740K |
| Cold Wave | Relatively Moderate | 77.2 | $2.6M |
| Lightning | Relatively Moderate | 57.3 | $254K |
| Hurricane | Relatively Low | 79.1 | $1.4M |
| Tornado | Relatively Low | 55.4 | $1.2M |
| Ice Storm | Relatively Low | 53.3 | $82K |
| Heat Wave | Relatively Low | 40.5 | $196K |
| Strong Wind | Relatively Low | 32.0 | $262K |
| Wildfire | Very Low | 47.8 | $35K |
| Hail | Very Low | 31.1 | $104K |
| Riverine Flooding | Very Low | 23.8 | $2.3M |
| Winter Weather | Very Low | 21.3 | $16K |
| Earthquake | Very Low | 18.2 | $20K |
| Landslide | Very Low | 5.0 | $6 |
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 | 86 | 0 | $1.6M | 68th of 254 | 1859th of 3,080 |
| Hail | 57 | 0 | $407K | 165th of 254 | 1895th of 3,080 |
| Floods | 32 | 0 | $3.9M | 85th of 254 | 1343rd of 3,080 |
| Tornadoes | 17 | 3 | $9.7M | 124th of 254 | 1427th of 3,080 |
| Drought | 16 | 0 | $15M | 201st of 254 | 1342nd of 3,063 |
| Winter storms | 16 | 1 | $117K | 113th of 254 | 2468th of 3,077 |
| Heat | 11 | 0 | – | 91st of 254 | 912th of 3,076 |
| Hurricanes and tropical storms | 3 | 0 | $106M | 26th of 254 | 632nd of 1,849 |
| Lightning | 3 | 0 | $49K | 61st of 254 | 1351st of 3,080 |
| Extreme cold | 1 | 0 | $152K | 192nd of 254 | 2642nd of 3,076 |
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.