Photo: ONUnicorn · CC BY-SA 4.0FEMA puts Edgewood’s expected hazard damage per building below that of 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Edgewood gets a B+ for hazard risk: lower expected damage per building than 73% of U.S. towns. Most of that expected damage is river and rain flooding (76%), then tornadoes (13%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Edgewood faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Earthquakes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Edgewood’s grade
River and rain flooding is 76% of the building damage FEMA expects in Edgewood, and Edgewood’s rate of river and rain flooding damage is lower than 57% of U.S. census tracts. Next is tornadoes at 13% (higher than 78% of U.S. census tracts).
B+ lower expected damage per building than 73% of U.S. towns (21,298).
Edgewood’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $464K a year in losses across Edgewood: $340K to buildings, the rest to people and crops.
Does Edgewood flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Edgewood. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Edgewood isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Madison County.5 federal disasters brought FEMA money to Edgewood
Disasters that paid out in Edgewood itself (aid to households or repair grants to the Town of Edgewood), newest first, with that year’s flood claims.
- 2014Severe Winter Storm and Snowstorm$4K to the Town of Edgewood for repairs
- 2005Severe Winter Storms and Flooding$2K to the Town of Edgewood for repairs
- 2004Snow$983 to the Town of Edgewood for repairs
- 2002Severe Storms and Tornadoes$23K to the Town of Edgewood for repairs
- 1999In-winter Storm 12/23/98$2K to the Town of Edgewood for repairs
Madison County has had 19 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Edgewood after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Edgewood archive →Edgewood and its neighbors
Edgewood has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Edgewood | B+less damage than 73% | river and rain flooding | 0 |
| Anderson | B+less damage than 71% | river and rain flooding | 70 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Edgewood faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Edgewood
Is Edgewood at risk for natural disasters?
On FEMA’s National Risk Index, Edgewood has lower expected damage per building than 73% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (76%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Edgewood in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Madison County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Edgewood?
FEMA’s Community Rating System list shows no discount for Edgewood’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Edgewood?
By FEMA money that reached Edgewood, Severe Storms and Tornadoes (2002): $23K to the Town of Edgewood for repairs.
Is Edgewood at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Edgewood’s rate for it is lower than 57% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Edgewood.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Edgewood’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.