FloodMaps
Map of FEMA flood zones in Madison CountyTap the map to explore

County · Flood risk

Check any address in Madison County

Quick facts

Homes on the tax roll

5,269

Residential parcels on the Florida Department of Revenue roll

FEMA flood map in effect

Apr 2025

First flood map 1987

Flood insurance discount

10% off

Madison County, Community Rating System Class 8

Most flood claims in one storm

3

Hurricane Debby 2024, 2 paid

Homes with water, FEMA aid

62

Aid registrations reporting water inside, Hurricane Debby 2024

Sinkhole reports

11

Florida Geological Survey, mostly unverified

Past storms in Madison County

National Flood Insurance Program claims and FEMA aid registrations that reported water inside the home, for the whole county.

Flood claims and FEMA aid by storm in Madison County
StormClaimsPaidAid, water inside
Hurricane Idalia 20231049
Hurricane Debby 20243262
Hurricane Helene 2024––21

Frequently asked questions

Do I need flood insurance in Madison County?

Lenders require flood insurance on a federally backed mortgage when the building is in one of FEMA's high-risk zones, the ones starting with A or V. The map that sets those zones in Madison County took effect on April 23, 2025. Outside those zones insurance is optional, but claims come from moderate- and low-risk zones too, so it's worth checking the zone and the floor height of the exact home.

When was the FEMA flood map for Madison County last updated?

The flood map in effect for Madison County took effect on April 23, 2025. The county's first flood map dates to June 4, 1987.

Is there a flood insurance discount in Madison County?

Madison County is in FEMA's Community Rating System at Class 8, which takes 10% off National Flood Insurance Program premiums for policies inside the high-risk flood zone. Classes run from 10 to 1, and each step down adds 5% off.

Which storms flooded Madison County the most?

By National Flood Insurance Program claims across Madison County, the worst recent storms were Hurricane Debby 2024 (3 claims, 2 paid) and Hurricane Idalia 2023 (1 claim, 0 paid). After Hurricane Debby 2024, 62 FEMA aid registrations in the county reported water inside the home. Claims only count insured homes, so the real number of flooded homes is higher.

Are there sinkholes in Madison County?

The Florida Geological Survey has 11 subsidence reports on file for Madison County. Most reports were never verified, and a report near a home doesn't mean the ground under it is unstable. The full report lists the nearest ones.

Madison County is in north Florida on the Georgia line, between the Aucilla and Withlacoochee rivers.

Madison County has 5,269 homes on the state tax roll. The FEMA flood map in effect for Madison County took effect on April 23, 2025; the county's first flood map dates to 1987. The storm that left the most flood insurance claims in the county was Hurricane Debby 2024, with 3, followed by Hurricane Idalia 2023 with 1. Madison County is in FEMA's Community Rating System at Class 8, which takes 10% off National Flood Insurance Program premiums for policies inside the high-risk flood zone.

Away from the coast, flooding comes from rain: rivers that rise for days after a tropical storm, lakes and low basins that fill, and closed depressions that drain slowly into the ground. The storms we track for the Big Bend are Hurricane Hermine 2016, Hurricane Irma 2017, Hurricane Michael 2018, Hurricane Idalia 2023, Hurricane Debby 2024, and Hurricane Helene 2024.

Search any address in Madison County for a free report: its FEMA flood zone and whether insurance is required, its risk level, and its floor height against the flood line. The full report adds a 0 to 100 risk score, the flood insurance cost, the home's record in each storm we track, and a PDF to share.

Compiled by FloodMaps from FEMA, state, and county records. Data dates: 2026 county tax roll (preliminary values); flood claims and FEMA aid for storms from 2016 through Hurricane Milton (October 2024); FEMA map dates and insurance discounts as of October 8, 2026.

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