Storm risk in Madison County, Alabama
FEMA rates Madison County Relatively High for natural-hazard risk overall, 172nd of 3,144 rated counties. For a roof the three that matter are hail (Relatively Low), strong wind (Relatively High) and tornado (Relatively High). NOAA logged 146 hail reports here from 2014 to June 2026.
FEMA National Risk Index, version December 2025, retrieved October 8, 2026. Planning-level county ratings.
Each dot is the county’s score from 0 to 100 against all rated U.S. counties; the bar colour is FEMA’s rating band.
Hazard by hazard
| Hazard | Rating | Score (0 to 100) | Rank in U.S. | Rank in AL | Expected yearly loss |
|---|---|---|---|---|---|
| Overall | Relatively High | 94.6 | 172 | 4 of 67 | $128,061,486buildings |
| Hail | Relatively Low | 51.4 | 1,529 | 12 of 67 | $281,823buildings |
| Strong wind | Relatively High | 97.4 | 82 | 2 of 67 | $1,398,228buildings |
| Tornado | Relatively High | 98.5 | 49 | 2 of 67 | $32,348,414all exposure |
Rank 1 is the highest score. Expected annual loss is a county total in dollars per year, not a figure per home; the overall, hail and wind rows count buildings only, the tornado row all exposure.
Madison County in plain numbers
- FEMA's overall rating for Madison County is Relatively High, score 94.6 of 100, 172nd of 3,144 rated counties.
- Hail: Relatively Low (score 51.4), 1529th nationwide and 12th of 67 counties in Alabama.
- Expected yearly hail loss to buildings: $281,823 for the whole county, about $3.37 per $1 million of building value.
- NRI's hail record averages 4.4 hail events a year in the county.
- Strong wind: Relatively High (score 97.4), 82nd nationwide; expected yearly loss to buildings $1,398,228, about $16.70 per $1 million of building value.
- Tornado: Relatively High (score 98.5), 49th nationwide; total expected yearly loss $32,348,414.
- Buildings in the county are valued at 83.7 billion dollars in the index; population 387,825.
- Social vulnerability is rated Relatively Low and community resilience Very High.
- NOAA logged 146 hail reports in Madison County from 2014 to June 2026; hail of 1 inch or more fell on 32 days and the largest stone was 2.75 inches.
- 1 of our cities is in the county: Huntsville.
- 22 ZIP Code Tabulation Areas have more than half of their land area in Madison County.
- Our guide range for a 2,000 sq ft asphalt roof in Huntsville is $6,160 to $13,640.
- NOAA lists 26 tornado tracks in the county since 2014.
Where large hail was reported
FEMA scores the county as a whole. NOAA’s storm reports show where inside it the big stones fell.
Reported hail locations, Madison County
- 951 to 1.74 in
- 121.75 to 2.74 in, golf ball to tennis ball
- 12.75 in and up, baseball
Largest plotted stone: 2.75 in. Bigger dots are bigger stones.
108 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.
Sources: NOAA, Census county outlineCities and ZIP areas in Madison County
1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 22 such areas have more than half their land here.
| City | ZIP areas (share of land in the county) | Pages |
|---|---|---|
| Huntsville | 35801 (100%), 35802 (100%), 35803 (100%), 35805 (100%), 35810 (100%) | Roofers |
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How high is storm risk in Madison County?
FEMA's National Risk Index rates Madison County Relatively High overall. By peril: hail Relatively Low, strong wind Relatively High, tornado Relatively High. The highest-scoring of the three for this county is tornado (score 98.5).
How many hail reports has NOAA logged in Madison County?
146 reports between 2014 and June 2026 in NOAA's Storm Events Database. A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell.
What does expected annual loss mean?
It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is a county total, not a figure per home, and it is built for comparing counties, not for pricing one house.
Does a high rating mean my roof will be damaged?
No. The index compares counties at planning level. It cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.
How does Madison County compare with the rest of Alabama?
For hail it ranks 12th of 67 rated counties in the state; for strong wind 2nd of 67; for tornado 2nd of 67.
Other Alabama counties
Sources: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database; Census Bureau ZCTA-to-county relationship file (2020). This product uses the Federal Emergency Management Agency's National Risk Index dataset but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). Planning-level information, not an inspection and not insurance advice.