Is Madison County, OH in a flood zone?
FEMA's National Risk Index puts Madison County's flood hazard at the 41.5th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Madison County's flood-insurance compliance gap
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, 15.7% of them do — 18 active policies against 115 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Madison County, not just the ones FEMA mandates, 0.3% 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 1899 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1084 of 3144 by population (1 is biggest). About 45,531 people live in Madison County, Ohio, spread over 466.688 square miles.
Your street may differ from Madison County's average
Across all of Madison County's 13,342 residential structures, 38 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
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.