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 10 claims here since 1978. 9 federal disasters 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 30% of U.S. communities, mostly from inland flooding.

Inland flooding62%Hurricanes9%Cold waves8%Earthquakes7%Tornadoes5%Everything else9%

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

62% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

9% 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.

10paid claims since 1978

$410Kpaid to owners

1homes flooded more than once

19782026

Biggest named events

Hurricane Irene: 3 claims, $10K
Tropical Storm Lee: 2 claims, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ 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 Village of Montgomery.

Brought FEMA money into MontgomeryDeclared for Orange County only

2021

Remnants of Hurricane Ida

16 households applied for aid $25K aid approved

2012

Hurricane Sandy

13 households applied for aid $9K aid approved $17K to the Village of Montgomery for repairs

2011

Remnants of Tropical Storm Lee

44 households applied for aid $89K aid approved $22K to the Village of Montgomery for repairs

2011

Hurricane Irene

153 households applied for aid $317K aid approved $54K to the Village of Montgomery for repairs

2007

Severe Storms and Inland and Coastal Flooding

15 households applied for aid $13K aid approved

2005

Severe Storms and Flooding

4 households applied for aid $7K aid approved $4K to the Village of Montgomery for repairs

2003

Snow

$5K to the Village of Montgomery for repairs

2002

Snowstorms

$5K to the Village of Montgomery for repairs

1999

Hurricane Floyd Major Disaster Declarations

$7K to the Village of Montgomery for repairs

Orange County has had 27 natural disasters declared since 1953, most often severe storms and hurricanes.

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 Village 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.