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Natural hazards · Montague

Montague, MA natural hazards

Most of the natural-hazard damage FEMA expects in Montague comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 1996. 7 federal disasters brought FEMA money into town.

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

How exposed is Montague?

43
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montague to be higher than in 43% of U.S. communities, mostly from inland flooding.

Inland flooding67%Cold waves9%Hurricanes7%Everything else17%
By hazard

What Montague faces

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

Inland flooding

67% of expected damage
Above average · higher than 65% of U.S. places
Recorded about 2 times a year in the area

Cold waves

9% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

7% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about once every 14 years in the area

Lower here

TornadoesHailIce 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 Montague flood?

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

2paid claims since 1996
$1Kpaid to owners
0homes flooded more than once
19962026
of all homes
are insured
No community discount. Montague isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Franklin County.
Disasters that hit Montague

7 federal disasters brought FEMA money here

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

Brought FEMA money into MontagueDeclared for Franklin County only
2013

Severe Winter Storm, Snowstorm, and Flooding

$19K to the Town of Montague for repairs
2011

Severe Storm and Snowstorm

$24K to the Town of Montague for repairs
2011

Tropical Storm Irene

2 households applied for aid $3K aid approved $7K to the Town of Montague for repairs
2005

Severe Storms and Flooding

3 households applied for aid $1K aid approved $14K to the Town of Montague for repairs
2005

Record And/Or Near Record Snow

$23K to the Town of Montague for repairs
2003

Snow

$34K to the Town of Montague for repairs
2001

Snow

$25K to the Town of Montague for repairs
Franklin County has had 18 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Montague

Montague and the towns around it

Erving: Moderate, mostly inland floodingWendell: Moderate, mostly inland floodingDeerfield: Low, mostly inland floodingGill: Moderate, mostly inland floodingGreenfield: Moderate, mostly inland floodingSunderland: Moderate, mostly inland floodingNorthfield: Low, mostly inland floodingOrange: High, mostly inland floodingNew Salem: Low, mostly inland floodingConway: Moderate, mostly inland floodingWhately: Moderate, mostly inland floodingShelburne: High, mostly inland floodingBernardston: Moderate, mostly inland floodingLeyden: Moderate, mostly inland floodingLeverett: Low, mostly inland floodingMontague: Moderate, mostly inland flooding MontagueErvingWendellDeerfieldGillGreenfieldSunderland
Very lowLowModerateHighVery high
Sunderlandmostly inland floodingModerate
Ervingmostly inland floodingModerate
Wendellmostly inland floodingModerate
Gillmostly inland floodingModerate
Greenfieldmostly inland floodingModerate
Montaguemostly inland floodingModerate
Deerfieldmostly 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. Montague covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Montague’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Montague. 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 Montague total about $2.1M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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