Natural hazards · Montgomery

Montgomery, GA natural hazards

Most of the natural-hazard damage FEMA expects in Montgomery comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 70 claims here since 1996.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Montgomery?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montgomery to be higher than in 93% of U.S. communities, mostly from hurricanes.

Hurricanes69%Inland flooding10%Coastal flooding7%Everything else14%

By hazard

What Montgomery faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

69% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 3 years in the area

Inland flooding

10% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about once a year in the area

Coastal flooding

7% of expected damage

Well above average · among the top 1% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Montgomery flood?

Every paid claim on a federal flood insurance policy in Montgomery, from FEMA’s records.

70paid claims since 1996

$4.0Mpaid to owners

0homes flooded more than once

19962026

Biggest named events

Hurricane Irma: 61 claims, $3.9M
Hurricane Matthew: 5 claims, $82K
Hurricane Helene: 1 claim, $1K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Montgomery isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Chatham County.

Disasters that hit Montgomery

Federal disasters declared here

None of the disasters declared for Chatham County shows FEMA aid or repair money reaching Montgomery itself in FEMA’s records.

Brought FEMA money into MontgomeryDeclared for Chatham County only

Chatham County has had 13 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Montgomery

Montgomery and the towns around it

Very lowLowModerateHighVery high

Montgomerymostly hurricanesVery high

Savannahmostly hurricanesVery high

Skidaway Islandmostly hurricanesVery high

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Montgomery covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Montgomery’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Montgomery. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Montgomery total about $4.3M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.