Natural hazards · Montreal

Montreal, MO natural hazards

Most of the natural-hazard damage FEMA expects in Montreal comes from inland flooding, and overall the risk is high 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 Montreal?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montreal to be higher than in 69% of U.S. communities, mostly from inland flooding.

Inland flooding49%Cold waves14%Heat waves12%Tornadoes10%Everything else16%

By hazard

What Montreal faces

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

Inland flooding

49% of expected damage

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

Recorded about 3 times a year in the area

Cold waves

14% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 2 times a year in the area

Heat waves

12% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 13 times a year in the area

Tornadoes

10% of expected damage

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

Recorded about once every 10 years in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Montreal flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Camden County.

Disasters that hit Montreal

2 federal disasters brought FEMA money here

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

Brought FEMA money into MontrealDeclared for Camden County only

2015

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

2 households applied for aid $2K aid approved

2003

Severe Storms, Tornadoes, and Flooding

26 households applied for aid $83K aid approved

Camden County has had 22 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. Montreal 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 Montreal’s own flood-insurance community; household aid to the registrant’s city; repair grants to Montreal. 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.