Storm risk in Madison County, Indiana

FEMA's overall hazard score for Madison County, IN is 77.26 (Relatively Low), 716th of 3,144 counties. Hail scores 84.67 (Relatively Moderate), strong wind 86.51 (Relatively High) and tornado 85.27 (Relatively Moderate). Expected hail loss is $42 per $1 million of buildings a year; NOAA logged 43 hail reports in Madison County, IN from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.

Madison County: expected yearly loss per $1 million of buildings for hail, strong wind and tornado, on a log scale, against all U.S. counties and the counties of IN$0.1$1$10$100$1,000Hail: $42 per $1 million, 1,097th of 3,126 rated counties$42Hail1,097th of 3,126 countiesStrong wind: $6.56 per $1 million, 2,484th of 3,121 rated counties$6.56Strong wind2,484th of 3,121 countiesTornado: $195 per $1 million, 1,590th of 3,144 rated counties$195Tornado1,590th of 3,144 counties
  • Madison County, IN, coloured by its FEMA rating
  • all U.S. counties
  • each county in the state
  • U.S. median
  • state median

Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.

How FEMA rates Madison County, IN

HazardRatingScore (0 to 100)Rank in U.S.Rank in IN
OverallRelatively Low 77.26716 of 3,14413 of 92
HailRelatively Moderate 84.67483 of 3,12611 of 92
Strong windRelatively High 86.51425 of 3,12617 of 92
TornadoRelatively Moderate 85.27464 of 3,12619 of 92

Expected yearly loss, in dollars

HazardThis county, total a yearPer $1M of buildingsState median countyU.S. median countyRank per $1M, U.S.Rank per $1M, state
Hail$1,058,846$42 $40$22 1,097 of 3,12644 of 92
Strong wind$166,491$6.56 $25$20 2,484 of 3,12186 of 92
Tornado$4,937,607$195 $276$199 1,590 of 3,14475 of 92

Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.

What stands out in Madison County, IN

  • FEMA expects hail in Madison County, IN to cost $42 per $1 million of buildings a year: 1.87 times the U.S. median and 1.04 times the IN county median, ranked 1,097th of 3,126 counties nationally and 44th of 92 in Indiana.
  • FEMA expects strong wind in Madison County, IN to cost $6.56 per $1 million of buildings a year: 0.32 times the U.S. median and 0.26 times the IN county median, ranked 2,484th of 3,121 counties nationally and 86th of 92 in Indiana.
  • FEMA expects tornado in Madison County, IN to cost $195 per $1 million of buildings a year: 0.98 times the U.S. median and 0.71 times the IN county median, ranked 1,590th of 3,144 counties nationally and 75th of 92 in Indiana.
  • Applying FEMA's estimate to a $147,700 home, the average yearly loss in Madison County, IN is about $6.16 for hail and $0.97 for wind before any deductible; at the U.S. median county rates it would be $3.30 and $3.01.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Madison County, IN meets about 23.3 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1965, the median home in Madison County, IN is 61 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 88.2% of its 59,075 homes are at least 26 years old.
  • March to June holds 41 of the 43 hail reports in Madison County, IN (95 percent); the quietest month is January, with 0 reports.

What hail and wind cost a home here in an average year

Enter a home value. The calculator applies Madison County, IN’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.

$6.16hail, a year; $3.30 at the U.S. median county rate
$0.97strong wind, a year; $3.01 at the U.S. median county rate
$143hail and wind together over 20 years, at today’s rate

Formula: home value × Madison County, IN yearly loss ÷ building value. Hail: $1,058,846 ÷ $25,376,355,857 = 0.0000417. Wind: $166,491 ÷ $25,376,355,857 = 0.0000066. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.

Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.

Madison County, IN in plain numbers

  • Madison County, IN scores 77.26 in FEMA's overall hazard index (Relatively Low): 716th of 3,144 rated counties and 13th of 92 in Indiana.
  • Hail scores 84.67 (Relatively Moderate). FEMA expects $1,058,846 of hail damage to buildings in Madison County, IN a year, which is $42 per $1 million of buildings, 1.87 times the U.S. median.
  • Strong wind scores 86.51 (Relatively High) with $166,491 of expected yearly building loss in Madison County, IN: $6.56 per $1 million of buildings, 0.32 times the U.S. median.
  • Tornado scores 85.27 (Relatively Moderate) and FEMA's expected yearly tornado loss is $4,937,607, counting everything exposed, or $195 per $1 million of buildings in Madison County, IN.
  • FEMA's own event record for Madison County, IN averages 4.41 hail events and 4.88 strong-wind events a year.
  • NOAA logged 43 hail reports in Madison County, IN between 2014 and June 2026, on 15 days with stones of 1 inch or more; the largest was 2 inches.
  • In Madison County, IN, FEMA counts buildings worth 25.38 billion dollars and 130,062 residents.
  • Social vulnerability is Relatively Moderate in Madison County, IN.
  • Community resilience there is Relatively High, for 130,062 residents.
  • 1 city in Madison County, IN is covered on this site: Anderson. 14 Census ZIP areas have more than half of their land in the county.
  • Our guide range for a 2,000 sq ft asphalt roof in Anderson is $6,230 to $13,795.
  • Madison County, IN ranks 78 of the 194 counties with a page here for hail loss per $1 million of buildings, 138 for wind and 112 for tornado.
  • In Madison County, IN, March is the busiest month with 19 of the 43 reports (44 percent), against 0 reports in September.
  • Madison County, IN's worst year was 2016, with 3 hail days at 1 inch or more and 5 reports. At the 2014 to 2025 pace that is 1.17 such days a year, one about every 10.3 months.
  • The median home in Madison County, IN was built in 1965; 71.0% of its 59,075 housing units date from before 1980, 88.2% from before 2000 and 3.4% from 2010 on.
  • Census puts the median home value in Madison County, IN at $147,700, and 70.0% of homes are lived in by their owners.
  • 2,244 single-family building permits were issued in Madison County, IN from 2014 to 2025, about 38.0 per 1,000 homes, peaking in 2022.
  • NOAA lists 8 tornado tracks in Madison County, IN since 2014; the strongest was an EF2 on April 2, 2025 near Moonsville, 15.15 miles long.
  • The fastest gust in NOAA's records for Madison County, IN is 87 mph on April 2, 2025 at Lapel.
  • The nearest county with a page here is Delaware County, 18 miles from the centre of Madison County, IN; its hail score is 85.81.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 6 roofing contractor establishments in Madison County, IN in 2023, one for every 9,846 homes.

The hail record of Madison County, IN, year by year

NOAA logged 43 reports in Madison County, IN; hail of 1 inch or more fell on 15 days. That is 1.2 such days a year; the median county in NOAA’s file has 1.8.

Madison County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more024681012142014: 1 reports, 1 days at 1 inch or more, largest 1 inch142015: 1 reports, 0 days at 1 inch or more, largest 0.75 inch152016: 5 reports, 3 days at 1 inch or more, largest 1 inch162017: 13 reports, 2 days at 1 inch or more, largest 1.75 inch172018: 6 reports, 1 days at 1 inch or more, largest 1.75 inch182019: 1 reports, 1 days at 1 inch or more, largest 1 inch192020: 4 reports, 1 days at 1 inch or more, largest 1.75 inch202021: 3 reports, 2 days at 1 inch or more, largest 2 inch212022: 0 reports, 0 days at 1 inch or more, largest 0 inch222023: 2 reports, 1 days at 1 inch or more, largest 1 inch232024: 1 reports, 1 days at 1 inch or more, largest 1 inch242025: 4 reports, 1 days at 1 inch or more, largest 1.5 inch252026: 2 reports, 1 days at 1 inch or more, largest 1 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Madison County: NOAA hail reports by calendar month, 2014 to June 2026January: 0 reports0JanFebruary: 0 reports0FebMarch: 19 reports19MarApril: 5 reports5AprMay: 4 reports4MayJune: 13 reports13JunJuly: 1 reports1JulAugust: 1 reports1AugSeptember: 0 reports0SepOctober: 0 reports0OctNovember: 0 reports0NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: March, 19 reports.

The same numbers as a table (years with at least one report)
YearReportsDays, 1 inch or moreDays, 1.75 inch or moreLargest stoneDamage reported
20141101 in–
20151000.75 in–
20165301 in–
201713211.75 in–
20186111.75 in$30,000
20191101 in–
20204111.75 in–
20213212 in–
20232101 in–
20241101 in–
20254101.5 in–
2026 (to June)2101 in–

Biggest hail days in Madison County, IN

DateLargest stoneReports that dayDamage reportedNear
June 18, 20212 in1none recordedMarkleville
March 30, 20171.75 in9none recordedWoodlawn Hgts
June 8, 20181.75 in6$30,000Elwood Arpt
March 28, 20201.75 in4none recordedGridley
June 18, 20251.5 in3none recordedAlexandria

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside Madison County, IN the big stones fell.

Reported hail locations, Madison County, IN

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.25 in hail1.25 in hail1.5 in hail1.75 in hail1.75 in hail1.75 in hail1.75 in hail1.75 in hail2 in hail Anderson
  • 251 to 1.74 in
  • 61.75 to 2.74 in, golf ball to tennis ball
  • 02.75 in and up, baseball

Largest plotted stone: 2 in. Bigger dots are bigger stones.

31 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for Madison County, IN

Fastest gusts in Madison County, IN

DateGustNear
April 2, 202587 mphLapel
May 16, 202583 mphFrankton
July 12, 202081 mphEdgewood
April 2, 202581 mphWoodlawn Hgts

Strongest tornado tracks in Madison County, IN

DateScaleLengthInjured / killedNear
April 2, 2025EF215.15 mi0 / 0Moonsville
April 2, 2025EF22.15 mi0 / 0Lapel
July 29, 2024EF22.56 mi0 / 0Perkinsville
May 27, 2019EF25.89 mi1 / 0Pendleton

8 tornado tracks in all since 2014; the strongest 4 are listed.

How old the roofs are

Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Madison County, IN’s 2014 to 2025 pace of 1.17 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Madison County: share of homes by decade built, with the hail days at 1 inch or more that an original roof from each decade has met at the county's 2014 to 2025 ratepre-1940: 20.7% of homes20.7%<19401061940s: 7.3% of homes7.3%1940s941950s: 14.0% of homes14%1950s831960s: 15.3% of homes15.3%1960s711970s: 13.7% of homes13.7%1970s601980s: 7.6% of homes7.6%1980s481990s: 9.6% of homes9.6%1990s362000s: 8.3% of homes8.3%2000s242010s: 2.9% of homes2.9%2010s132020+: 0.6% of homes0.6%2020+4

Bars: share of 59,075 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.

Median year built1965
Built before 198071.0%
Built before 200088.2%
Built since 20103.4%
Owner-occupied70.0%
Median home value$147,700
Single-family permits, 2014 to 20252,244
Permits per 1,000 homes38.0

Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.

Roofers and past disasters in Madison County, IN

Roofing firms in Madison County, IN

Roofing contractor establishments, 20236
Change since 2016+3 (+100%)
Homes per roofing firm9,846
Median across counties5,189
Employees, 202324

Source for Madison County, IN: Census County Business Patterns, NAICS 238160.

Nearby counties

The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Madison County, IN's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Delaware County, IN18 Relatively Low $461.11$9.791.4924
Howard County, IN30 Relatively Low $471.12$233.5311
Tippecanoe County, IN64 Relatively Moderate $561.35$4.550.6935
Allen County, IN73 Relatively Moderate $210.50$142.1873
Monroe County, IN80 Relatively Low $210.50$7.611.1644
Vigo County, IN102 Relatively Moderate $491.18$121.9024

More Indiana counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Madison County, IN

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. 14 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Anderson 46012 (89%), 46057 (0%), 46013 (100%) Roofers

Storm hit your roof in Madison County, IN? A free inspection tells you if there is damage. One local roofer answers, not five.

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Questions

How high is storm risk in Madison County, IN?

FEMA's National Risk Index gives Madison County, IN an overall score of 77.26 (Relatively Low), 716th of 3,144. Hail scores 84.67 (Relatively Moderate), strong wind 86.51 (Relatively High) and tornado 85.27 (Relatively Moderate).

In Madison County, IN, how many hail reports has NOAA logged?

A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 43 for Madison County, IN between 2014 and June 2026, on 15 days with hail of 1 inch or more; the largest stone was 2 inches.

What do hail and wind cost a home in Madison County, IN each year, on average?

Applying FEMA's county rates to its median home value of $147,700: FEMA's estimate is about $6.16 a year for hail and $0.97 for wind, before any deductible, against $3.30 and $3.01 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.

How does Madison County, IN compare with the rest of Indiana?

Per $1 million of buildings Madison County, IN loses $42 to hail a year, against $40 in the median county of the state. Among 92 rated counties it is 11th for hail, 17th for strong wind and 19th for tornado.

How old are the roofs in Madison County, IN?

The median home was built in 1965, 61 years ago, and 88.2% of the 59,075 housing units in Madison County, IN date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.

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 built for comparing counties at planning level, not for pricing one house.

Does a high rating mean my roof will be damaged?

No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.

Sources for Madison County, IN: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Madison County, IN; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Madison County, IN; Census County Business Patterns, roofing firms in Madison County, IN. Planning-level information about Madison County, IN, not an inspection and not insurance advice.

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).