Natural hazards · Monterey

Monterey, VA natural hazards

Most of the natural-hazard damage FEMA expects in Monterey comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Monterey?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monterey to be higher than in 77% of U.S. communities, mostly from inland flooding.

Inland flooding65%Drought13%Cold waves13%Everything else9%

By hazard

What Monterey faces

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

Inland flooding

65% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 2 years in the area

Drought

13% of expected damage

Recorded about 4 times a year in the area

Cold waves

13% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Monterey flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Monterey isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Highland County.

Disasters that hit Monterey

Federal disasters declared here

None of the disasters declared for Highland County shows FEMA aid or repair money reaching Monterey itself in FEMA’s records.

Brought FEMA money into MontereyDeclared for Highland County only

Highland County has had 19 natural disasters declared since 1953, most often winter 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. Monterey 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 Monterey’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Monterey. 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.