🌍 ClimateRiskCheck

Natural Disaster Risk in Madison

Tennessee

7.3out of 10
High Risk

Risk Summary for Madison

Madison scores 7.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.

Top Hazards

Earthquake Tornado Strong Wind

All 18 Hazard Scores

Earthquake
9.8
Tornado
9.8
Strong Wind
9.7
Extreme Heat
9.6
Cold Wave
9.2
Hail
8.9
Winter Weather
8.5
Ice Storm
8.4
Landslide
7.3
Hurricane
6.9
Wildfire
6.3
Lightning
6.0
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
3.6
Riverine Flooding
1.0

How it compares

Madison
7.3
Tennessee avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 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, Tennessee

Madison is a city of approximately 40,615 residents in Davidson County, in the interior eastern United States. The area experiences hot summers, mild winters, and transitional weather patterns, with tornado risk in both spring and fall shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Madison.

According to FEMA's National Risk Index, Madison carries an overall risk score of 7.3/10, placing it in the high category. Earthquake risk stands out in the local hazard profile, driven by proximity to fault systems with a history of significant ground movement. The area also faces notable exposure to tornado and wind.

Madison's risk score, slightly above the 5.8/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Davidson County, the highest-scoring are earthquake, tornado, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Madison residents benefit from taking preparedness seriously. Reviewing insurance coverage for earthquake and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Madison: Earthquake preparedness

  • Standard homeowners insurance excludes earthquake damage β€” a separate earthquake policy or endorsement is needed.
  • Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
  • Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.

Local Factors for Madison

These city-level factors differentiate Madison from other communities in Davidson County and provide geographic context for its hazard exposure.

Population

40,615

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 36.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.3/10

Coordinates

36.2544Β° N, 86.6964Β° W

Davidson 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

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ZIP Codes in Madison

Other cities in Tennessee

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.