Madison County, FL flood risk explained
Flood hazard in Madison County sits at the 33.3th national percentile, among the lowest flood hazard in the country; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 2 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Madison County
Out of 420 homes FEMA counts inside Madison County's mapped flood zone, 47 carry the flood policy federal law requires there — 11.2% compliance, short of full coverage. Looking beyond the mandated zone, 1.2% of all residential structures in Madison County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Madison County ranks
Among the 3144 US counties FEMA scores for flood hazard, Madison County ranks 2157 — 1 being the highest hazard nationally — and 1912 by population among all 3144 counties covered here, where 1 is the largest. Madison County, Florida is home to about 18,364 people across 696.529 square miles of land.
What to do next if you own or are buying in Madison County
Across all of Madison County's 7,670 residential structures, 88 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Madison County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.