Natural hazards · Montrose

Montrose, VA natural hazards

Most of the natural-hazard damage FEMA expects in Montrose comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 2003.

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

Expected damage

How exposed is Montrose?

Very low

vs. U.S. communities

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

Inland flooding43%Earthquakes18%Tornadoes12%Heat waves10%Hurricanes7%Everything else11%

By hazard

What Montrose faces

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

Inland flooding

43% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about once a year in the area

Earthquakes

18% of expected damage

Well above average · higher than 75% of U.S. places

Tornadoes

12% of expected damage

Below average · higher than 45% of U.S. places

Heat waves

10% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 5 times a year in the area

Hurricanes

7% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 7 years in the area

Lower here

HailIce stormsWinter weatherCold 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 Montrose flood?

Every paid claim on a federal flood insurance policy in Montrose, from FEMA’s records.

3paid claims since 2003

$3Kpaid to owners

0homes flooded more than once

20032026

Biggest named events

Hurricane Isabel: 2 claims, $3K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henrico County.

Disasters that hit Montrose

Federal disasters declared here

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

Brought FEMA money into MontroseDeclared for Henrico County only

Henrico County has had 19 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Montrose

Montrose and the towns around it

Very lowLowModerateHighVery high

Richmondmostly inland floodingVery low

Montrosemostly inland floodingVery low

Sandstonmostly 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. Montrose covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Montrose’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Montrose. 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 Montrose total about $391K 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.