Natural hazards · Montgomery

Montgomery, IL natural hazards

Most of the natural-hazard damage FEMA expects in Montgomery comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 121 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Montgomery?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montgomery to be higher than in 60% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding51%Cold waves27%Tornadoes16%Everything else6%

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.

Inland flooding

51% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Cold waves

27% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 88% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Montgomery flood?

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

121paid claims since 1978

$2.7Mpaid to owners

8homes flooded more than once

19782026

Biggest named events

Mid-spring storms: 13 claims, $183K
Hurricane Ike: 2 claims, $45K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (6) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 25% off flood insurance. Montgomery is in FEMA’s Community Rating System (class 5) for its flood-proofing work.

Insurance rates: Kendall County.

What’s been done with FEMA grants

60flood-prone properties bought out and cleared

Disasters that hit Montgomery

4 federal disasters brought FEMA money here

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

Brought FEMA money into MontgomeryDeclared for Kendall County only

2013

Severe Storms, Straight-Line Winds, and Flooding

138 households applied for aid $314K aid approved

2008

Severe Storms and Flooding

4 households applied for aid $7K aid approved

2000

Illinois Winter Snow Storms

$11K to the Village of Montgomery for repairs

1999

Il-Winter Storm 1/1/99

$10K to the Village of Montgomery for repairs

Kendall County has had 11 natural disasters declared since 1953, most often winter storms and floods.

Around Montgomery

Montgomery and the towns around it

Very lowLowModerateHighVery high

Boulder Hillmostly inland floodingHigh

Yorkvillemostly inland floodingHigh

Montgomerymostly inland floodingHigh

Oswegomostly inland floodingLow

Auroramostly inland floodingLow

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; household aid to the registrant’s city; repair grants to the Village of 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 $8.5M 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.