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Natural hazards · Montour

Montour, IA natural hazards

Most of the natural-hazard damage FEMA expects in Montour comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 2005. 5 federal disasters brought FEMA money into town.

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

How exposed is Montour?

73
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montour to be higher than in 73% of U.S. communities, mostly from inland flooding and drought.

Inland flooding45%Drought27%Strong wind9%Cold waves8%Tornadoes7%Everything else5%
By hazard

What Montour faces

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

Inland flooding

45% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about 2 times a year in the area

Drought

27% of expected damage
Recorded about 17 times a year in the area

Strong wind

9% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 6 times a year in the area

Cold waves

8% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 8 times a year in the area

Tornadoes

7% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about once every 4 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Montour flood?

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

4paid claims since 2005
$17Kpaid to owners
0homes flooded more than once
20052026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Montour isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Tama County.
Disasters that hit Montour

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Montour itself: aid to households, or repair grants to the City of Montour.

Brought FEMA money into MontourDeclared for Tama County only
2024

Severe Storms, Tornadoes, and Flooding

$209K to the City of Montour for repairs
2020

Severe Storms

22 households applied for aid $44K aid approved $22K to the City of Montour for repairs
2011

Severe Storms, Straight-Line Winds, and Flooding

$3K to the City of Montour for repairs
2008

Severe Storms, Tornadoes, and Flooding

31 households applied for aid $38K aid approved $109K to the City of Montour for repairs
2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
Tama County has had 18 natural disasters declared since 1953, most often floods and severe storms.
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. Montour is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Montour’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Montour. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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