Natural hazards · Montgomery

Montgomery, OH natural hazards

Most of the natural-hazard damage FEMA expects in Montgomery comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 7 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Montgomery?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montgomery to be higher than in 10% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes25%Heat waves12%Cold waves8%Earthquakes5%Everything else5%

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

45% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

25% of expected damage

Well above average · higher than 88% of U.S. places

Heat waves

12% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 6 times a year in the area

Cold waves

8% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

5% of expected damage

Above average · higher than 51% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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.

7paid claims since 1979

$194Kpaid to owners

1homes flooded more than once

19792026

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: Hamilton County.

Disasters that hit Montgomery

3 federal disasters 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 Hamilton County only

2008

Severe Wind Storm Associated With Tropical Depression Ike

$144K to the City of Montgomery for repairs

2004

Snow

$23K to the City of Montgomery for repairs

2001

Severe Storms and Flooding

$66K to the City of Montgomery for repairs

Hamilton County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Montgomery

Montgomery and the towns around it

Very lowLowModerateHighVery high

The Village of Indian Hillmostly inland floodingLow

Symmesmostly inland floodingLow

Concorde Hillsmostly inland floodingLow

Sycamoremostly inland floodingVery low

Sixteen Mile Standmostly inland floodingVery low

Montgomerymostly inland floodingVery low

Breconmostly inland floodingVery low

Kenwoodmostly inland floodingVery low

Blue Ashmostly 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 2 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 City 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 $2.4M 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.