110 flood insurance claims·$8.8M paid·7 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Madison County, North Carolina. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding from heavy rain and severe weather dominates Madison County, supported by 37 recorded flash flood events, 7 general floods, and 2 tropical storms over the last 30 years. Notable historical events include Tropical Cyclone Helene in September 2024 and Tropical Storm Fred in August 2021, both of which brought widespread heavy rainfall and severe flooding to the region.
National Flood Insurance Program records indicate that property damage is not restricted to designated high-risk areas. Zone A properties account for 55 claims with an average payout of $141,890 and an average recorded water depth of 11 inches. Meanwhile, properties in Zone X and Shaded Zone X have recorded significant impacts, with Zone X logging 32 claims averaging a $31,599 payout and an average recorded water depth of 16 inches, and Shaded Zone X logging 18 claims averaging an $88,672 payout and an average recorded water depth of 16 inches. Unshaded Zone X recorded 5 claims with an average payout of $0 and an average recorded water depth of 1 inch.
Homeowners, real estate agents, and journalists should pay the closest attention to properties in Zone A as well as properties located in Zone X and Shaded Zone X, where moderate to high claim payouts and average recorded water depths of 16 inches demonstrate substantial flood risk outside of traditional high-risk zones.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
29% of Madison County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
78 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 13 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2024, with 41 claims and $7.9M paid, the year of Hurricane Helene.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
12 NOAA storm reports from Madison County describe what happened, in the words of the forecasters who covered it. Read the North Carolina flood stories →
23 federal disaster declarations since 1977, 7 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 21, 2026 |
| Hurricane Helene | Sep 25, 2024 |
| Tropical Storm Helene | Sep 25, 2024 |
| Hurricane Ian | Sep 28, 2022 |
| Remnants Of Tropical Storm Fred | Aug 16, 2021 |
| Hurricane Isaias | Jul 31, 2020 |
| Severe Storms, Tornadoes, And Flooding | Feb 6, 2020 |
| Hurricane Dorian | Sep 1, 2019 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
46 since 1996: 37 flash floods and 7 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Sep 27, 2024 | $25.0M |
| Flash Flood | Sep 27, 2024 | $10.0M · 5 killed |
| Tropical Storm | Sep 27, 2024 | $2.0M |
| Flash Flood | Aug 17, 2021 | $250,000 |
| Tropical Storm | Oct 29, 2020 | — |
| Flash Flood | Apr 13, 2020 | $1,000 |
| Flash Flood | Apr 19, 2019 | $1,000 |
| Flash Flood | Aug 14, 2017 | $1,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · Sep 27, 2024. Tropical Cyclone Helene began organizing over the western Caribbean on the 23rd and 24th of September before rapidly intensifying as it moved north through the eastern Gulf of Mexico on the 25th and 26th. A plume of moisture extending from the intensifying storm interacted with a slow-moving cold front to produce a band of widespread heavy rain showers and embedded scattered thunderstorms over the southern Appalac…
Flash Flood · Sep 27, 2024. Tropical Cyclone Helene began organizing over the western Caribbean on the 23rd and 24th of September before rapidly intensifying as it moved north through the eastern Gulf of Mexico on the 25th and 26th. A plume of moisture extending from the intensifying storm interacted with a slow-moving cold front to produce a band of widespread heavy rain showers and embedded scattered thunderstorms over the southern Appalac…
Tropical Storm · Sep 27, 2024. Tropical Cyclone Helene began organizing over the western Caribbean on the 23rd and 24th of September before rapidly intensifying as it moved north through the eastern Gulf of Mexico on the 25th and 26th. A plume of moisture extending from the intensifying storm interacted with a slow-moving cold front to produce a band of widespread heavy rain showers and embedded scattered thunderstorms over the southern Appalac…
Flash Flood · Aug 17, 2021. Tropical Storm Fred made landfall in the Florida Panhandle on the 16th and lifted steadily north through Georgia and into the southern Appalachians during the 16th and throughout the 17th. Tropical moisture and strong southeast upslope flow into the Blue Ridge mountains resulted in widespread showers and some thunderstorms producing extremely heavy rainfall rates. By the time the rain tapered off by the end of the…
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Madison County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.