Madison County, Virginia: hazard risk
FEMA rates Madison County's overall risk Very Low (score 8.4 of 100, higher than 8% of rated U.S. counties). Its storm record holds 898 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 Low | 70.3 | $658K |
| Drought | Relatively Low | 57.7 | $263K |
| Strong Wind | Relatively Low | 32.9 | $353K |
| Avalanche | Very Low | 53.1 | $789 |
| Landslide | Very Low | 49.1 | $1K |
| Earthquake | Very Low | 44.3 | $215K |
| Wildfire | Very Low | 39.8 | $28K |
| Heat Wave | Very Low | 27.3 | $124K |
| Lightning | Very Low | 20.9 | $78K |
| Hail | Very Low | 20.0 | $77K |
| Riverine Flooding | Very Low | 19.5 | $2.6M |
| Tornado | Very Low | 13.9 | $131K |
| Winter Weather | Very Low | 13.3 | $12K |
| Cold Wave | Very Low | 10.0 | $80K |
| Ice Storm | Very Low | 9.8 | $5K |
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. |
|---|---|---|---|---|---|
| Winter storms | 277 | 0 | $181K | 6th of 96 | 53rd of 3,077 |
| Severe thunderstorm wind | 183 | 0 | $623K | 32nd of 96 | 514th of 3,080 |
| Floods | 145 | 1 | $8.2M | 8th of 96 | 118th of 3,080 |
| Extreme cold | 95 | 0 | $368K | 7th of 96 | 30th of 3,076 |
| Heat | 34 | 0 | – | 13th of 96 | 267th of 3,076 |
| High wind and dust storms | 29 | 0 | $2.3M | 26th of 96 | 411th of 3,080 |
| Hail | 24 | 0 | $218K | 72nd of 96 | 2233rd of 3,080 |
| Heavy rain | 14 | 0 | – | 46th of 96 | 208th of 3,080 |
| Drought | 11 | 0 | $7.1M | 27th of 96 | 1252nd of 3,063 |
| Tornadoes | 9 | 0 | $2.1M | 32nd of 96 | 1663rd of 3,080 |
| Lightning | 2 | 0 | $17K | 56th of 96 | 1060th of 3,080 |
| Wildfires | 2 | 0 | – | 7th of 96 | 430th of 2,972 |
| Hurricanes and tropical storms | 1 | 0 | $7K | 57th of 96 | 826th of 1,849 |
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.