Is Madison County, IN in a flood zone?
FEMA's National Risk Index puts Madison County's flood hazard at the 82.6th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.7 times a year. 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
Homes with a federally backed mortgage inside Madison County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 14% of them do — 178 active policies against 1,272 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Madison County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Madison County against the rest of the country
Madison County sits at rank 572 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 490 of 3144 by population (1 is biggest). Madison County, Indiana is home to about 134,222 people across 451.921 square miles of land.
Checking a specific address in Madison County
206 of Madison County's 56,082 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Madison County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.