How much flood risk does Madison County actually carry?
Madison County lands at the 29.8th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 3 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Madison County's flood-insurance compliance gap
Madison County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Madison County, not just the ones FEMA mandates, 0.6% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Madison County ranks
Madison County sits at rank 2265 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2431 of 3144 by population (1 is biggest). Madison County, Montana is home to about 9,753 people across 3,588.156 square miles of land.
Checking a specific address in Madison County
FEMA counts 8,198 residential structures in Madison County overall, 46 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Madison County's numbers. See the data quality guide for why Madison County, like hundreds of other counties, doesn't get a clean compliance percentage.