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Natural hazards · Montgomery

Montgomery, NY 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. Flood insurance has paid 6 claims here since 2007. 9 federal disasters brought FEMA money into town.

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

How exposed is Montgomery?

29
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montgomery to be higher than in 29% of U.S. communities, mostly from inland flooding.

Inland flooding60%Hurricanes10%Cold waves8%Earthquakes7%Tornadoes5%Everything else10%
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

60% of expected damage
Below average · higher than 47% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

10% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once every 14 years in the area

Cold waves

8% of expected damage
Below average · higher than 35% of U.S. places
Recorded about once a year in the area

Earthquakes

7% of expected damage
Above average · higher than 65% of U.S. places

Tornadoes

5% of expected damage
Below average · higher than 33% of U.S. places

Lower here

HailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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?

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

6paid claims since 2007
$91Kpaid to owners
1homes flooded more than once
20072026

Biggest named events

  • Hurricane Ida: 2 claims, $48K
  • Hurricane Irene: 2 claims, $26K
  • April 2007 Nor'easter: 1 claim, $16K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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: Orange County.
Disasters that hit Montgomery

9 federal disasters brought FEMA money here

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

Brought FEMA money into MontgomeryDeclared for Orange County only
2021

Remnants of Hurricane Ida

$157K to the Town of Montgomery for repairs
2011

Hurricane Irene

$719K to the Town of Montgomery for repairs
2010

Severe Storms and Flooding

$26K to the Town of Montgomery for repairs
2007

Severe Storms and Inland and Coastal Flooding

$31K to the Town of Montgomery for repairs
2005

Severe Storms and Flooding

$11K to the Town of Montgomery for repairs
2004

Severe Storms and Flooding

$15K to the Town of Montgomery for repairs
2003

Snow

$31K to the Town of Montgomery for repairs
2002

Snowstorms

$28K to the Town of Montgomery for repairs
1999

Hurricane Floyd Major Disaster Declarations

$25K to the Town of Montgomery for repairs
Orange County has had 27 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Montgomery

Montgomery and the towns around it

Crawford: Low, mostly inland floodingNewburgh: Low, mostly inland floodingHamptonburgh: Low, mostly inland floodingShawangunk: Low, mostly inland floodingNew Windsor: Very low, mostly inland floodingMaybrook: Very low, mostly inland floodingWallkill: Very low, mostly inland floodingMamakating: Moderate, mostly inland floodingNewburgh: Moderate, mostly inland floodingWappinger: Low, mostly inland floodingPlattekill: Low, mostly inland floodingFishkill: Low, mostly inland floodingMarlborough: Low, mostly inland floodingPoughkeepsie: Low, mostly inland floodingGoshen: Very low, mostly inland floodingBlooming Grove: Low, mostly inland floodingWawarsing: High, mostly inland floodingEllenville: High, mostly inland floodingGardiner: Moderate, mostly inland floodingCornwall: Moderate, mostly inland floodingMiddletown: Low, mostly inland floodingBloomingburg: Low, mostly inland floodingMount Hope: Very low, mostly inland floodingWawayanda: Very low, mostly inland floodingMontgomery: Low, mostly inland flooding MontgomeryCrawfordNewburghHamptonburghShawangunkNew WindsorMaybrookWallkill
Very lowLowModerateHighVery high
Hamptonburghmostly inland floodingLow
Montgomerymostly inland floodingLow
Newburghmostly inland floodingLow
Shawangunkmostly inland floodingLow
Crawfordmostly inland floodingLow
Wallkillmostly inland floodingVery low
New Windsormostly inland floodingVery low
Maybrookmostly inland floodingVery low
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 covers 6 census tracts, combined by population.
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 Town of Montgomery. 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 Montgomery total about $5.6M 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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