Natural hazards · Montgomery

Montgomery, MN natural hazards

Most of the natural-hazard damage FEMA expects in Montgomery comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Montgomery?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montgomery to be higher than in 27% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes18%Strong wind17%Cold waves10%Hail7%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

42% of expected damage

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

Recorded about once a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 14 years in the area

Strong wind

17% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 4 times a year in the area

Cold waves

10% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 10 times a year in the area

Hail

7% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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?

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

of all homes
are insured

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

Insurance rates: Le Sueur County.

Disasters that hit Montgomery

1 federal disaster brought FEMA money here

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

Brought FEMA money into MontgomeryDeclared for Le Sueur County only

2024

Severe Storms and Flooding

7 households applied for aid $59K aid approved

Le Sueur County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around Montgomery

Montgomery and the towns around it

Very lowLowModerateHighVery high

Montgomerymostly inland floodingLow

Lanesburghmostly 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 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 Montgomery’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Montgomery. 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.