Why it forms in Madison
Frost. Wisconsin's home code asks for footings at least 48 inches below grade because frost goes deep here. In February 2014, Madison Water Utility reported frost 4 to 5 feet down. Wet soil swells as it freezes and pushes sideways. The upper rows of a block wall have the least weight on top to hold them, so they give first.
Water in the soil. The City of Madison says many older neighborhoods were built on filled wetlands, and that rising rain and snow have pushed ground water up into conflict with basements. Soil that cannot drain builds water pressure against the wall. Repair crews note that cracks from this kind of pressure often form part way up the wall, where the push is strongest.
Clay-rich soil. USDA describes the Dodge soil of Dane County as silt over glacial till, with a subsoil that is 25 to 32 percent clay. Soil like that holds water against the wall longer after rain and snowmelt.
Block construction. A block wall is many small units held by mortar joints. Each joint is a weak line, so pressure shows up as a long crack along one of them. About 1 in 3 Madison housing units was built between 1950 and 1979, per Census data, so a lot of Madison basements are now 45 to 75 years into this yearly cycle.