Madison, WI Flood Zone Map
Last updated: August 2026
Madison is built on an isthmus between Lakes Mendota and Monona and faces flooding from both lakes and the Yahara River chain. Record rainfall in 2018 caused severe flooding across the isthmus.
Dane County has recorded 333 NFIP flood insurance claims since 1978, totaling $8.3M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 5
NFIP Policies
1,115
Dane County
Avg. Premium
$715/yr
Dane County
NFIP Flood Insurance Claims: Dane County
Properties in Dane County have filed 333 NFIP flood insurance claims totaling $8.3M in payouts since 1978. The average claim payout is $25K.
Highest-Claim Years
2018
85 claims - $5.0M
2008
53 claims - $1.2M
2007
20 claims - $291K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Dane County
Only roughly 1 in 199 households in Dane County carries NFIP flood insurance (0.5% of estimated households). With 80 recorded flood events and $159.7M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.5%
roughly 1 in 199 households
Historical Claims Ratio
1 in 3
333 claims over 45+ years across 1,115 current policies
Avg. Claim Payout
$24,826
Per claim, county-wide since 1978
Historically, Dane County has averaged 1 claim for every 3 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Madison.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Repetitive Loss Properties: Dane County
Dane County has 14 properties with multiple flood insurance losses, including 1 severe repetitive loss properties. 1 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
14
2+ claims within 10 years
Severe Repetitive Loss
1
4+ claims or 2 exceeding value
Mitigated
1
Received FEMA mitigation
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Federal Flood Disaster History: Dane County
Dane County has been included in 3 federal flood-related disaster declarations.
These declarations affected communities across Dane County, including Madison.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: Dane County
NOAA has recorded 80 flood events in Dane County since 1996, causing $159.7M in damage and 1 death.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: Dane County
FEMA has funded mitigation for 37 properties in Dane County, investing $7.7M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced August 2026. FEMA records a total payment per grant rather than per property, so the dollar figure is an estimate that splits each grant across the properties it covers; the property count is exact.
FEMA Flood Risk Profile: Dane County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $84.0M
Hurricane Risk
Very LowEst. annual loss: $17K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in Madison
Madison faces multiple inland flood threats, including riverine flooding from nearby waterways and flash flooding from intense rainfall overwhelming urban drainage systems. Properties near river corridors face the highest risk, but stormwater backup can affect neighborhoods well outside the mapped floodplain. The most common FEMA flood zone designations in Madison are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $84.0M.
With both riverine and urban stormwater flood risk, insurance costs in Madison depend heavily on a property's elevation relative to nearby waterways and the local drainage infrastructure. FEMA's Risk Rating 2.0 prices in multiple inland flood sources rather than relying on the flood zone line alone. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Flood zone boundaries in Madison can shift when FEMA updates its Flood Insurance Studies or when upstream development changes how water moves through the watershed. New stormwater infrastructure or dam modifications can also trigger map revisions. Use our free lookup tool to check the current flood zone for any Madison address.
Madison, WI Flood Zone FAQ
What flood zones are in Madison, WI?
The most common FEMA flood zones in Madison are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Madison?
If your Madison property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about a quarter of all NFIP flood claims come from properties outside high-risk zones.
How do I check my flood zone in Madison?
Enter your Madison address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
How high is flood risk in Madison?
According to FEMA's National Risk Index, Dane County (where Madison is located) has a "Relatively High" rating for inland flood risk. The estimated annual flood loss for the county is $84.0M. This county-level assessment considers historical flood losses, social vulnerability, and community resilience.
Has Madison experienced major flooding events?
Dane County, where Madison is located, has been part of 3 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Severe Storms, Tornadoes, Straight-Line Winds, Flooding, and Landslides in 2018. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Madison?
Dane County has recorded 333 NFIP flood insurance claims totaling $8.3M in payouts since 1978. The year with the most claims was 2018, with 85 claims and $5.0M in payouts. These figures cover all NFIP claims in the county, including Madison.
How many flood insurance policies are there in Madison?
Dane County had 1,115 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $715. The most policies are in Zone X (923 policies). These are county-level counts of policies written or renewed in the trailing 13 months, not a point-in-time count of policies in force - a policy renewed inside that window is counted twice.
How many Madison properties have flooded repeatedly?
Dane County has 14 properties with multiple flood losses on record, including 1 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Madison property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Madison?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Madison's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Wisconsin Cities
Understanding Flood Zones
See the Flood Map for Any Madison, WI Address
Enter a Madison, WI address to view its FEMA flood map, zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.