Enter any address in Madison, Wisconsin to see its FEMA flood zone
Madison has a population of 269,840 residents. Like many communities in Wisconsin, properties in Madison may be located in various FEMA flood zones ranging from high-risk Special Flood Hazard Areas to low-risk zones.
Use the address lookup above to check the specific flood zone for any property in Madison. Results come directly from FEMA's National Flood Hazard Layer (NFHL).
Statewide data from OpenFEMA. City-level breakdowns coming soon. NFIP policies in force and average premium (premium plus federal policy fee) as of August 31, 2026, from OpenFEMA.
FEMA assigns flood zone designations to areas in Madison, Wisconsin:
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 that are in FEMA Special Flood Hazard Areas (zones A and V) with a mortgage from a federally regulated or insured lender, or a federally backed loan, are required to carry flood insurance.
The average NFIP premium across Wisconsin was $999 a year on August 31, 2026 (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top). Risk Rating 2.0 prices each building on its own flood risk, so your quote can be far from the average.
Even in low-risk zones, flood insurance is recommended — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk areas. Visit FloodSmart.gov for quotes.