Natural hazards · Monterey

Monterey, IN natural hazards

Most of the natural-hazard damage FEMA expects in Monterey comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1985. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Monterey?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monterey to be higher than in 28% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding44%Cold waves24%Tornadoes13%Strong wind7%Everything else13%

By hazard

What Monterey faces

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

Inland flooding

44% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once every 7 years in the area

Cold waves

24% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 12 years in the area

Strong wind

7% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Monterey flood?

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

1paid claims since 1985

$8Kpaid to owners

0homes flooded more than once

19852026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pulaski County.

Disasters that hit Monterey

4 federal disasters brought FEMA money here

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

Brought FEMA money into MontereyDeclared for Pulaski County only

2018

Severe Storms and Flooding

5 households applied for aid $9K aid approved

2009

Severe Storms, Tornadoes, and Flooding

11 households applied for aid $53K aid approved

2008

Severe Storms and Flooding

25 households applied for aid $147K aid approved

2005

Severe Winter Storms and Flooding

2 households applied for aid $3K aid approved

Pulaski County has had 15 natural disasters declared since 1953, most often winter storms 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. Monterey 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 Monterey’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Monterey. 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.

Monterey, IN natural hazards

How exposed is Monterey?

What Monterey faces

Inland flooding

Cold waves

Tornadoes

Strong wind

Lower here

Not a risk here

Does Monterey flood?

4 federal disasters brought FEMA money here

Severe Storms and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Storms and Flooding

Severe Winter Storms and Flooding

How to read this page

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