Enter any address in Madison County, Ohio to see its FEMA flood zone
Flash flooding from heavy rainfall events dominates the flood character of Madison County, OH. Over the last 30 years, NOAA Storm Events data shows 25 flood events and 10 flash flood events. Recent examples include widespread flooding from 1.5 to 2.5 inches of rain on February 18, 2022, and flash flooding from locally heavy rainfall on March 20, 2020.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A, Zone X, and Zone UNKNOWN have experienced flooding. While Zone X claims had the highest average payout and Zone UNKNOWN had the deepest average water depth, all zones with claims show a risk. Homeowners in areas designated as Zone A, Zone X, or Zone UNKNOWN, particularly those near waterways or in locations without a Base Flood Elevation (BFE), should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
2 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Madison County, Ohio has recorded 35 flood-related events since 1996 according to NOAA's Storm Events Database, including 10 flash floods and 25 river or area floods. The county has received 12 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1974–2020)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms | Severe Storm | Jun 29, 2012 |
| Severe Wind Storm Associated With Tropical Depression Ike | Severe Storm | Sep 14, 2008 |
| Record Snow And Near Record Snow | Snowstorm | Mar 7, 2008 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Snow | Snowstorm | Dec 22, 2004 |
| Severe Storms And Flooding | Severe Storm | Aug 27, 2004 |
| Severe Winter Storm And Record/near Record Snow | Severe Storm | Feb 14, 2003 |
| Severe Storms, Tornadoes & Flooding | Severe Storm | May 28, 1990 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Oct 7, 2025 | 0.00K |
| Flood | Mar 3, 2023 | 0.00K |
| Flood | Feb 18, 2022 | 0.00K |
| Flood | Aug 12, 2021 | 0.00K |
| Flash Flood | Mar 20, 2020 | 0.00K |
| Flash Flood | Mar 20, 2020 | 10.00K |
| Flood | Jul 6, 2019 | 0.00K |
| Flood | Jul 3, 2019 | 0.00K |
| Flood | Jul 3, 2019 | 0.25K |
| Flood | Apr 3, 2018 | 0.00K |
Flood — Oct 7, 2025
A low pressure system moving through the Ohio Valley brought locally heavy rain to the region.
Flood — Mar 3, 2023
Showers and scattered thunderstorms developed during the afternoon hours ahead of a strong low pressure system moving through the Ohio Valley.
Flood — Feb 18, 2022
Rain overspread the region through the day ahead of a low pressure system moving through the Ohio Valley. Rainfall amounts of 1.5 to 2.5 inches produced widespread flooding.
Flood — Aug 12, 2021
Isolated thunderstorms developed along a slow moving boundary in central Ohio.
Flash Flood — Mar 20, 2020
Showers and thunderstorms developed through the early morning hours as a low pressure system moved through the Ohio Valley. Some of the storms produced locally heavy rainfall amounts of 2 to 3 inches.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Madison County, Ohio:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Madison County, Ohio that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.