Storm risk in Madison County, Tennessee

FEMA's overall hazard score for Madison County, TN is 92.08 (Relatively Moderate), 250th of 3,144 counties. Hail scores 16.32 (Very Low), strong wind 88.20 (Relatively High) and tornado 97.2 (Relatively High). Expected hail loss is $1.83 per $1 million of buildings a year; NOAA logged 54 hail reports in Madison County, TN 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 TN$0.1$1$10$100$1,000Hail: $1.83 per $1 million, 2,675th of 3,126 rated counties$1.83Hail2,675th of 3,126 countiesStrong wind: $7.27 per $1 million, 2,427th of 3,121 rated counties$7.27Strong wind2,427th of 3,121 countiesTornado: $642 per $1 million, 199th of 3,144 rated counties$642Tornado199th of 3,144 counties
  • Madison County, TN, 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, TN

HazardRatingScore (0 to 100)Rank in U.S.Rank in TN
OverallRelatively Moderate 92.08250 of 3,1445 of 95
HailVery Low 16.322,632 of 3,12669 of 95
Strong windRelatively High 88.20372 of 3,1268 of 95
TornadoRelatively High 97.2089 of 3,1264 of 95

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$42,240$1.83 $12$22 2,675 of 3,12688 of 95
Strong wind$167,557$7.27 $34$20 2,427 of 3,12187 of 95
Tornado$14,798,057$642 $403$199 199 of 3,14424 of 95

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, TN

  • FEMA expects hail in Madison County, TN to cost $1.83 per $1 million of buildings a year: 0.08 times the U.S. median and 0.15 times the TN county median, ranked 2,675th of 3,126 counties nationally and 88th of 95 in Tennessee.
  • FEMA expects strong wind in Madison County, TN to cost $7.27 per $1 million of buildings a year: 0.36 times the U.S. median and 0.21 times the TN county median, ranked 2,427th of 3,121 counties nationally and 87th of 95 in Tennessee.
  • FEMA expects tornado in Madison County, TN to cost $642 per $1 million of buildings a year: 3.23 times the U.S. median and 1.60 times the TN county median, ranked 199th of 3,144 counties nationally and 24th of 95 in Tennessee.
  • Applying FEMA's estimate to a $189,700 home, the average yearly loss in Madison County, TN is about $0.35 for hail and $1.38 for wind before any deductible; at the U.S. median county rates it would be $4.24 and $3.86.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Madison County, TN meets about 36.7 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1985, the median home in Madison County, TN is 41 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 77.8% of its 43,919 homes are at least 26 years old.
  • March to June holds 43 of the 54 hail reports in Madison County, TN (80 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, TN’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.

$0.35hail, a year; $4.24 at the U.S. median county rate
$1.38strong wind, a year; $3.86 at the U.S. median county rate
$35hail and wind together over 20 years, at today’s rate

Formula: home value × Madison County, TN yearly loss ÷ building value. Hail: $42,240 ÷ $23,043,182,762 = 0.0000018. Wind: $167,557 ÷ $23,043,182,762 = 0.0000073. 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, TN in plain numbers

  • Madison County, TN scores 92.08 in FEMA's overall hazard index (Relatively Moderate): 250th of 3,144 rated counties and 5th of 95 in Tennessee.
  • Hail scores 16.32 (Very Low). FEMA expects $42,240 of hail damage to buildings in Madison County, TN a year, which is $1.83 per $1 million of buildings, 0.08 times the U.S. median.
  • Strong wind scores 88.20 (Relatively High) with $167,557 of expected yearly building loss in Madison County, TN: $7.27 per $1 million of buildings, 0.36 times the U.S. median.
  • Tornado scores 97.2 (Relatively High) and FEMA's expected yearly tornado loss is $14,798,057, counting everything exposed, or $642 per $1 million of buildings in Madison County, TN.
  • FEMA's own event record for Madison County, TN averages 2.97 hail events and 1.83 strong-wind events a year.
  • NOAA logged 54 hail reports in Madison County, TN between 2014 and June 2026, on 22 days with stones of 1 inch or more; the largest was 2.5 inches.
  • In Madison County, TN, FEMA counts buildings worth 23.04 billion dollars and 98,781 residents.
  • Social vulnerability is Relatively High in Madison County, TN.
  • Community resilience there is Very High, for 98,781 residents.
  • 1 city in Madison County, TN is covered on this site: Jackson. 9 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 Jackson is $6,090 to $13,485.
  • Madison County, TN ranks 176 of the 194 counties with a page here for hail loss per $1 million of buildings, 130 for wind and 15 for tornado.
  • In Madison County, TN, April is the busiest month with 16 of the 54 reports (30 percent), against 2 reports in October.
  • Madison County, TN's worst year was 2025, with 4 hail days at 1 inch or more and 12 reports. At the 2014 to 2025 pace that is 1.83 such days a year, one about every 6.5 months.
  • The median home in Madison County, TN was built in 1985; 42.4% of its 43,919 housing units date from before 1980, 77.8% from before 2000 and 7.5% from 2010 on.
  • Census puts the median home value in Madison County, TN at $189,700, and 62.5% of homes are lived in by their owners.
  • 2,823 single-family building permits were issued in Madison County, TN from 2014 to 2025, about 64.3 per 1,000 homes, peaking in 2021.
  • NOAA lists 7 tornado tracks in Madison County, TN since 2014; the strongest was an EF1 on May 26, 2024 near Uptonville, 8.68 miles long.
  • The fastest gust in NOAA's records for Madison County, TN is 81 mph on March 30, 2022 at Neely.
  • The nearest county with a page here is Montgomery County, 101 miles from the centre of Madison County, TN; its hail score is 87.21.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 5 roofing contractor establishments in Madison County, TN in 2023, one for every 8,784 homes.

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

NOAA logged 54 reports in Madison County, TN; hail of 1 inch or more fell on 22 days. That is 1.8 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 more0246810122014: 2 reports, 2 days at 1 inch or more, largest 1 inch142015: 0 reports, 0 days at 1 inch or more, largest 0 inch152016: 5 reports, 2 days at 1 inch or more, largest 1.75 inch162017: 10 reports, 3 days at 1 inch or more, largest 2.5 inch172018: 3 reports, 1 days at 1 inch or more, largest 1 inch182019: 2 reports, 1 days at 1 inch or more, largest 1 inch192020: 5 reports, 2 days at 1 inch or more, largest 1.5 inch202021: 4 reports, 1 days at 1 inch or more, largest 1.75 inch212022: 3 reports, 2 days at 1 inch or more, largest 1 inch222023: 4 reports, 3 days at 1 inch or more, largest 1.25 inch232024: 4 reports, 1 days at 1 inch or more, largest 1.25 inch242025: 12 reports, 4 days at 1 inch or more, largest 1.75 inch252026: 0 reports, 0 days at 1 inch or more, largest 0 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: 15 reports15MarApril: 16 reports16AprMay: 12 reports12MayJune: 0 reports0JunJuly: 4 reports4JulAugust: 0 reports0AugSeptember: 0 reports0SepOctober: 2 reports2OctNovember: 0 reports0NovDecember: 5 reports5Dec

Reports by calendar month, all years together. Peak: April, 16 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
20142201 in–
20165211.75 in$120,000
201710312.5 in–
20183101 in–
20192101 in–
20205201.5 in–
20214111.75 in–
20223201 in–
20234301.25 in–
20244101.25 in–
202512411.75 in–

Biggest hail days in Madison County, TN

DateLargest stoneReports that dayDamage reportedNear
March 9, 20172.5 in4none recordedOakfield
March 27, 20211.75 in4none recordedBeech Bluff
December 28, 20161.75 in3$120,000Jackson
April 3, 20251.75 in2none recordedSpring Creek
March 27, 20171.5 in4none recordedJackson

Where large hail was reported

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

Reported hail locations, Madison County, TN

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

Largest plotted stone: 2.5 in. Bigger dots are bigger stones.

43 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, TN

Fastest gusts in Madison County, TN

DateGustNear
March 30, 202281 mphNeely
March 30, 202281 mphOakfield
May 22, 202481 mphGilmore
April 3, 202581 mphMercer

Strongest tornado tracks in Madison County, TN

DateScaleLengthInjured / killedNear
May 26, 2024EF18.68 mi0 / 0Uptonville
March 30, 2022EF18.49 mi0 / 0Neely
March 30, 2022EF15.13 mi0 / 0Oakfield
December 11, 2021EF14.23 mi0 / 0Beech Bluff

7 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, TN’s 2014 to 2025 pace of 1.83 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: 5.3% of homes5.3%<19401671940s: 3.5% of homes3.5%1940s1481950s: 8.1% of homes8.1%1950s1301960s: 9.4% of homes9.4%1960s1121970s: 16.1% of homes16.1%1970s941980s: 14.7% of homes14.7%1980s751990s: 20.8% of homes20.8%1990s572000s: 14.7% of homes14.7%2000s382010s: 7.2% of homes7.2%2010s202020+: 0.4% of homes0.4%2020+6

Bars: share of 43,919 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 built1985
Built before 198042.4%
Built before 200077.8%
Built since 20107.5%
Owner-occupied62.5%
Median home value$189,700
Single-family permits, 2014 to 20252,823
Permits per 1,000 homes64.3

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, TN

Roofing firms in Madison County, TN

Roofing contractor establishments, 20235
Change since 2016+4 (+400%)
Homes per roofing firm8,784
Median across counties5,189
Employees, 20238

Source for Madison County, TN: 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, TN's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Montgomery County, TN101 Relatively Moderate $4826.11$466.2620
Williamson County, TN110 Relatively Moderate $5.232.86$4.670.64105
Rutherford County, TN137 Relatively Moderate $5.613.06$5.540.7648
Sumner County, TN144 Relatively Moderate $4524.34$152.0451
Putnam County, TN193 Relatively Low $4021.57$446.0635
Hamilton County, TN206 Relatively Moderate $116.24$7.241.0020

More Tennessee counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Madison County, TN

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

CityZIP areas (share of land in the county)Pages
Jackson 38301 (100%), 38305 (97%) Roofers

Storm hit your roof in Madison County, TN? 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, TN?

FEMA's National Risk Index gives Madison County, TN an overall score of 92.08 (Relatively Moderate), 250th of 3,144. Hail scores 16.32 (Very Low), strong wind 88.20 (Relatively High) and tornado 97.2 (Relatively High).

In Madison County, TN, 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 54 for Madison County, TN between 2014 and June 2026, on 22 days with hail of 1 inch or more; the largest stone was 2.5 inches.

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

Applying FEMA's county rates to its median home value of $189,700: FEMA's estimate is about $0.35 a year for hail and $1.38 for wind, before any deductible, against $4.24 and $3.86 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, TN compare with the rest of Tennessee?

Per $1 million of buildings Madison County, TN loses $1.83 to hail a year, against $12 in the median county of the state. Among 95 rated counties it is 69th for hail, 8th for strong wind and 4th for tornado.

How old are the roofs in Madison County, TN?

The median home was built in 1985, 41 years ago, and 77.8% of the 43,919 housing units in Madison County, TN 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, TN: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Madison County, TN; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Madison County, TN; Census County Business Patterns, roofing firms in Madison County, TN. Planning-level information about Madison County, TN, 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).