Photo: Brian Stansberry · CC BY 3.0FEMA expects about as much hazard damage per building in Madisonville as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Madisonville gets a B− for hazard risk: higher expected damage per building than 50% of U.S. towns, #82 of 177 in Tennessee. Most of that expected damage is river and rain flooding (61%), then earthquakes (26%). 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 Madisonville 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
Earthquakes
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 Madisonville’s grade
River and rain flooding is 61% of the building damage FEMA expects in Madisonville, and Madisonville’s rate of river and rain flooding damage is lower than 53% of U.S. census tracts. Next is earthquakes at 26% (higher than 83% of U.S. census tracts).
B− #82 of 177 in Tennessee; higher expected damage per building than 50% of U.S. towns (21,298).
Madisonville’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical Tennessee town has higher expected damage than 53% of U.S. towns; within the state, Madisonville has less expected damage per building than 54% of Tennessee towns.
In dollars, FEMA expects about $1.5M a year in losses across Madisonville: $988K to buildings, the rest to people and crops.
Does Madisonville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Madisonville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Madisonville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Monroe County.4 federal disasters brought FEMA money to Madisonville
Disasters that paid out in Madisonville itself (aid to households or repair grants to the City of Madisonville), newest first, with that year’s flood claims.
- 2015Severe Winter Storm and Flooding$30K to the City of Madisonville for repairs
- 2012Severe Storms, Tornadoes, Straight-line Winds and7 households applied for aid$4K aid approved
- 2011Severe Storms, Tornadoes, Straight-line Winds, and Associated Flooding147 households applied for aid$34K aid approved
- 2003Severe Storms, Tornadoes, and Flooding65 households applied for aid$114K aid approved$3K to the City of Madisonville for repairs
Monroe County has had 14 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 Madisonville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Madisonville archive →Get ready for what Madisonville 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Madisonville
Is Madisonville at risk for natural disasters?
On FEMA’s National Risk Index, Madisonville has higher expected damage per building than 50% of U.S. towns: B− for hazard risk, #82 of 177 in Tennessee. Most of the expected damage is river and rain flooding (61%) and earthquakes (26%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Madisonville 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 Monroe County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Madisonville?
FEMA’s Community Rating System list shows no discount for Madisonville’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 Madisonville?
By FEMA money that reached Madisonville, Severe Storms, Tornadoes, and Flooding (2003): 65 households applied for aid, $114K approved, and $3K to the City of Madisonville for repairs.
Is Madisonville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (61%), and Madisonville’s rate for it is lower than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Madisonville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Madisonville’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.