Natural hazards · Montgomery

Montgomery, MO 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 34% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding43%Heat waves25%Earthquakes8%Cold waves7%Tornadoes6%Everything else12%

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

43% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once a year in the area

Heat waves

25% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 11 times a year in the area

Earthquakes

8% of expected damage

Well above average · higher than 75% of U.S. places

Cold waves

7% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 20 years in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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?

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

of homes in flood zones
are insured

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: Montgomery 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 Montgomery County only

2008

Severe Storms, Flooding, and a Tornado

1 household applied for aid

Montgomery County has had 21 natural disasters declared since 1953, most often severe storms 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. 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.