Photo: Nyttend · Public domainMore hazard damage per building is expected in Madison Township than in 61% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Madison Township gets a C+ for hazard risk: higher expected damage per building than 61% of U.S. towns, #876 of 993 in Ohio. Most of that expected damage is river and rain flooding (81%), then tornadoes (13%). Flood insurance has paid 9 claims here since 2011.
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 Madison Township 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
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 Madison Township’s grade
River and rain flooding is 81% of the building damage FEMA expects in Madison Township, and Madison Township’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Tornadoes add 13%, at a rate in the top 8% of U.S. census tracts.
C+ #876 of 993 in Ohio; higher expected damage per building than 61% of U.S. towns (21,298).
Madison Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Madison Township has more expected damage per building than 88% of Ohio towns.
In dollars, FEMA expects about $2.6M a year in losses across Madison Township: $1.9M to buildings, the rest to people and crops.
Does Madison Township flood? Rarely: 9 flood claims since 2011
Every paid claim on a federal flood insurance policy in Madison Township, from FEMA’s records: 2.6 per 1,000 homes, fewer than 55% of the 13,809 U.S. towns with a flood insurance record.
Madison Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Butler County.The storms Madison Township remembers
None of the 11 disasters declared for Butler County shows FEMA aid or repair money reaching Madison Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20184 flood claims paidNo declaration for the county that year
- 20112 flood claims paidNo declaration for the county that year
- 20192 flood claims paidNo declaration for the county that year
Butler County has had 11 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Madison Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Madison Township archive →Madison Township and its neighbors
Madison Township is 7th of the 11 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Monroe | A−less damage than 76% | river and rain flooding | 7 |
| Liberty Township | A−less damage than 75% | river and rain flooding | 1 |
| Lemon Township | B+less damage than 66% | river and rain flooding | 3 |
| Wayne Township | Bless damage than 60% | river and rain flooding | 6 |
| Gratis Township | Bless damage than 58% | river and rain flooding | — |
| Franklin Township | C+more damage than 60% | river and rain flooding | 17 |
| Madison Township | C+more damage than 61% | river and rain flooding | 9 |
| Middletown | C+more damage than 61% | river and rain flooding | 9 |
| German Township | C−more damage than 75% | river and rain flooding | 20 |
| Trenton | C−more damage than 80% | river and rain flooding | 2 |
| St. Clair Township | Dmore damage than 86% | river and rain flooding | 36 |
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 Madison Township 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.
- 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 Madison Township
Is Madison Township at risk for natural disasters?
On FEMA’s National Risk Index, Madison Township has higher expected damage per building than 61% of U.S. towns: C+ for hazard risk, #876 of 993 in Ohio. Most of the expected damage is river and rain flooding (81%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Madison Township flood?
Flood insurance has paid 9 claims in Madison Township since 2011, $40K in all, or 2.6 per 1,000 homes, fewer than 55% of U.S. towns with a flood insurance record.
Is Madison Township 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 Butler County, 26% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Madison Township?
FEMA’s Community Rating System list shows no discount for Madison Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Madison Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Madison Township’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Madison Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Madison Township’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.