Natural hazards · Montross

Montross, VA natural hazards

Most of the natural-hazard damage FEMA expects in Montross comes from hurricanes, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Montross?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montross to be higher than in 40% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes42%Inland flooding29%Drought10%Everything else19%

By hazard

What Montross faces

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

Hurricanes

42% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 8 years in the area

Inland flooding

29% of expected damage

Well below average · higher than 12% of U.S. places

Recorded about once every 2 years in the area

Drought

10% of expected damage

Recorded about 4 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

AvalanchesTsunamisVolcanic 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 Montross flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Westmoreland County.

Disasters that hit Montross

1 federal disaster brought FEMA money here

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

Brought FEMA money into MontrossDeclared for Westmoreland County only

2003

Hurricane Isabel

137 households applied for aid $89K aid approved

Westmoreland County has had 20 natural disasters declared since 1953, most often hurricanes and winter storms.

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. Montross 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 Montross’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Montross. 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.