Natural hazards · Montgomery

Montgomery, TX natural hazards

Most of the natural-hazard damage FEMA expects in Montgomery comes from drought, and overall the risk is very low for a U.S. community. Flood insurance has paid 4 claims here since 2006. 11 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 11% of U.S. communities, mostly from drought and tornadoes.

Drought29%Tornadoes22%Inland flooding19%Hurricanes11%Cold waves8%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.

Drought

29% of expected damage

Recorded about 20 times a year in the area

Tornadoes

22% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 43 years in the area

Inland flooding

19% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

11% of expected damage

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

Recorded about once every 8 years in the area

Cold waves

8% of expected damage

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

Recorded about once every 2 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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.

4paid claims since 2006

$192Kpaid to owners

0homes flooded more than once

20062026

Biggest named events

Early summer severe storms: 1 claim, $49K
Tropical Storm Paul: 1 claim, $51K
Spring severe storms: 1 claim, $21K

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: Montgomery County.

What’s been done with FEMA grants

6flood-prone properties bought out and cleared

Disasters that hit Montgomery

11 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 Montgomery County only

2024

Hurricane Beryl

4,836 households applied for aid $3.7M aid approved

2024

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

462 households applied for aid $962K aid approved

2021

Severe Winter Storms

703 households applied for aid $512K aid approved

2019

Tropical Storm Imelda

17 households applied for aid $13K aid approved

2017

Hurricane Harvey

1,333 households applied for aid $2.4M aid approved $401K to the City of Montgomery for repairs

2016

Severe Storms and Flooding

269 households applied for aid $546K aid approved $1.2M to the City of Montgomery for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

39 households applied for aid $63K aid approved

2011

Wildfires

31 households applied for aid

2008

Hurricane Ike

3,034 households applied for aid $808K aid approved $51K to the City of Montgomery for repairs

2005

Hurricane Rita

296 households applied for aid $211K aid approved $10K to the City of Montgomery for repairs

2002

Severe Storms, Tornadoes and Flooding

22 households applied for aid $99K aid approved

Montgomery County has had 31 natural disasters declared since 1953, most often fires 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 City 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.