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Natural hazards · Montpelier

Montpelier, SD natural hazards

Most of the natural-hazard damage FEMA expects in Montpelier comes from inland flooding, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is Montpelier?

25
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montpelier to be higher than in 25% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding31%Cold waves26%Tornadoes9%Hail8%Wildfire7%Strong wind6%Everything else14%
By hazard

What Montpelier faces

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

Inland flooding

31% of expected damage
Well below average · higher than 18% of U.S. places
Recorded about once a year in the area

Cold waves

26% of expected damage
Above average · higher than 69% of U.S. places
Recorded about 12 times a year in the area

Tornadoes

9% of expected damage
Above average · higher than 73% of U.S. places
Recorded about once every 4 years in the area

Hail

8% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 4 times a year in the area

Wildfire

7% of expected damage
Well above average · higher than 95% of U.S. places

Strong wind

6% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 2 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Montpelier flood?

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

of all homes
are insured
No community discount. Montpelier isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Edmunds County.
Disasters that hit Montpelier

4 federal disasters brought FEMA money here

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

Brought FEMA money into MontpelierDeclared for Edmunds County only
2011

Flooding

$11K to the Township of Montpelier for repairs
2010

Flooding

$7K to the Township of Montpelier for repairs
2009

Severe Storms and Flooding

$5K to the Township of Montpelier for repairs
2001

Severe Winter Storms, Flooding, and Ice Jams

$12K to the Township of Montpelier for repairs
Edmunds County has had 18 natural disasters declared since 1953, most often floods and severe storms.
Around Montpelier

Montpelier and the towns around it

Cleveland: Low, mostly cold wavesVermont: Low, mostly inland floodingGlover: Low, mostly inland floodingBryant: Low, mostly inland floodingHuntley: Low, mostly cold wavesLiberty: Low, mostly cold wavesHarmony: Low, mostly cold wavesIpswich: Low, mostly cold wavesEnterprise: Low, mostly cold wavesHillside: Low, mostly inland floodingCloyd Valley: Low, mostly inland floodingGlen: Low, mostly inland floodingRoscoe: Low, mostly inland floodingNorth Bryant: Low, mostly inland floodingMontpelier: Low, mostly inland flooding MontpelierClevelandVermontGloverBryant
Very lowLowModerateHighVery high
Clevelandmostly cold wavesLow
Montpeliermostly inland floodingLow
Vermontmostly inland floodingLow
Glovermostly inland floodingLow
Bryantmostly inland floodingLow
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. Montpelier 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 Montpelier’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Montpelier. 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.

The door’s open

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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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