Natural Disaster Risk in Madison
Ohio
Risk Summary for Madison
Madison scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Madison, Ohio
Madison, in Lake County, is a city of approximately 19,445 residents situated in the Great Lakes region. Its humid continental climate brings cold winters with lake-effect snow in the north and warm, humid summers, and in particular spring tornado risk and winter ice storms. These conditions collectively define the natural hazard environment that Madison residents and property owners must navigate.
Madison's overall natural disaster risk is rated 6.4/10 (High) by FEMA's National Risk Index. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Secondary hazards include coastal flood and wind.
Within Ohio, Madison's risk is, slightly above the 5.8/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Lake County identifies winter as the foremost hazard, followed by coastal flood and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Madison's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Madison: Winter Weather preparedness
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
Local Factors for Madison
These city-level factors differentiate Madison from other communities in Lake County and provide geographic context for its hazard exposure.
Population
19,445
SuburbanGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Moderate Continental
Latitude 41.8Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower β moist climate limits wildfire frequency
Fire score: 3.8/10
Coordinates
41.7668Β° N, 81.0597Β° W
Lake County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Madison
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Madison
Other cities in Ohio
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.