Risk Index · Dane County · 2026-06-13
Madison, WI real-estate risk
- Risk score
- 93.9/100
- Relatively Moderate
- Expected annual loss
- $182M
- all hazards, county-wide
- Buildings-only loss
- $110M
- what owners and insurers carry
- Population
- 561K
- Dane County
Madison, WI (Dane County) carries a FEMA National Risk Index score of 93.9/100, rated "Relatively Moderate" and driven mainly by hail and tornado, with roughly $182M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Hail98.9
- Tornado97.6
- Heat wave95.3
- Riverine flood94.3
- Strong wind92.5
- Earthquake70.7
- Wildfire60.2
- Drought39.9
- Hurricane29.2
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Madison risk questions
Is Madison, WI a high-risk area for real estate?
Madison scores 93.9/100 on FEMA's National Risk Index, rated "Relatively Moderate" versus all US counties. Its expected natural-hazard loss is about $182M per year.
What is the biggest natural hazard in Madison?
The highest-rated hazard is hail (98.9/100), followed by tornado (97.6/100).
How does hazard risk affect property insurance in Madison?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.