🌍 ClimateRiskCheck

Natural Disaster Risk in Madisonville

Texas

5.2out of 10
Moderate Risk

Risk Summary for Madisonville

Madisonville scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Drought Cold Wave

All 18 Hazard Scores

Hurricane
8.6
Drought
8.2
Cold Wave
8.0
Lightning
6.3
Tornado
6.1
Ice Storm
6.1
Wildfire
5.4
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Extreme Heat
4.8
Avalanche
4.5
Strong Wind
4.0
Hail
4.0
Winter Weather
3.1
Earthquake
2.8
Landslide
1.7
Riverine Flooding
1.0

How it compares

Madisonville
5.2
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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: Madisonville, Texas

Madisonville, in Madison County, is a town of roughly 7,640 residents situated in the South Central United States. Its diverse climate brings an exceptionally varied climate from humid subtropical in the east to desert in the west, and in particular overlapping tornado, hurricane, flood, and drought seasons. These conditions collectively define the natural hazard environment that Madisonville residents and property owners must navigate.

According to FEMA's National Risk Index, Madisonville carries an overall risk score of 5.2/10, placing it in the moderate category. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. The area also faces notable exposure to drought and cold wave.

Within Texas, Madisonville's risk is, near the 5.6/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Madison County identifies hurricane as the foremost hazard, followed by drought and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Madisonville residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hurricane is recommended.

What this means for Madisonville: Hurricane preparedness

  • Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
  • Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
  • Know your evacuation zone and route before hurricane season begins each June.

Local Factors for Madisonville

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

Population

7,640

Small Town

Geographic Zone

Gulf Coast

Hurricane, surge & flood risk

Climate Band

Warm Subtropical

Latitude 31.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.4/10

Coordinates

30.9609Β° N, 95.8930Β° W

Madison 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 Madisonville

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Madisonville

Other cities in Texas

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.