Natural Disaster Risk in New Madison
Ohio
Risk Summary for New Madison
New Madison scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Tornado.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: New Madison, Ohio
New Madison, in Darke County, is a small community of about 1,663 situated in the interior eastern United States. 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 New Madison residents and property owners must navigate.
New Madison's overall natural disaster risk is rated 5.1/10 (Moderate) by FEMA's National Risk Index. The area faces significant tornado risk, positioned where atmospheric conditions regularly generate severe rotating thunderstorms capable of producing violent tornadoes. Secondary hazards include earthquake and wind.
Within Ohio, New Madison's risk is, slightly below the 5.8/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Darke County identifies tornado as the foremost hazard, followed by earthquake and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
New Madison's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that tornado exposure is adequately protected is a worthwhile step for property owners.
What this means for New Madison: Tornado preparedness
- Review whether your insurance covers wind and debris damage, and document belongings in advance.
- Identify the safest interior room on the lowest floor — away from windows — as your shelter.
- Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
Local Factors for New Madison
These city-level factors differentiate New Madison from other communities in Darke County and provide geographic context for its hazard exposure.
Population
1,663
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.3/10
Coordinates
39.9793° N, 84.7091° W
Darke 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 New Madison
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in New Madison
Other cities in Ohio
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.