Natural hazards · Monterey

Monterey, LA natural hazards

Most of the natural-hazard damage FEMA expects in Monterey comes from inland flooding, and overall the risk is very low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Monterey?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monterey to be higher than in 19% of U.S. communities, mostly from inland flooding and drought.

Inland flooding27%Drought27%Hurricanes18%Cold waves8%Tornadoes6%Heat waves6%Everything else9%

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

27% of expected damage

Well below average · higher than 11% of U.S. places

Recorded about once a year in the area

Drought

27% of expected damage

Recorded about 25 times a year in the area

Hurricanes

18% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 8 years in the area

Cold waves

8% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 2 years in the area

Heat waves

6% of expected damage

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

Recorded about 17 times a year in the area

Lower here

HailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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?

FEMA's records show no paid flood insurance claims in Monterey.

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: Concordia Parish.

Disasters that hit Monterey

2 federal disasters brought FEMA money here

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

Brought FEMA money into MontereyDeclared for Concordia Parish only

2021

Severe Winter Storms

19 households applied for aid $12K aid approved

2008

Hurricane Gustav

46 households applied for aid $70K aid approved

Concordia Parish has had 26 natural disasters declared since 1953, most often hurricanes and floods.

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 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.