Natural hazards · Montgomery

Montgomery, VT natural hazards

Most of the natural-hazard damage FEMA expects in Montgomery comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 18 claims here since 1982. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Montgomery?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montgomery to be higher than in 60% of U.S. communities, mostly from inland flooding.

Inland flooding83%Everything else17%

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.

Inland flooding

83% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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.

18paid claims since 1982

$275Kpaid to owners

1homes flooded more than once

19822026

Biggest named events

Hurricane Irene: 1 claim, $4K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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: Franklin County.

What’s been done with FEMA grants

4flood-prone properties bought out and cleared

Disasters that hit Montgomery

6 federal disasters brought FEMA money here

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

Brought FEMA money into MontgomeryDeclared for Franklin County only

2019

Severe Storm and Flooding

$195K to the Town of Montgomery for repairs

2014

Severe Storms and Flooding

$90K to the Town of Montgomery for repairs

2013

Severe Winter Storms

$36K to the Town of Montgomery for repairs

2011

Tropical Storm Irene

6 households applied for aid $6K aid approved $69K to the Town of Montgomery for repairs

2008

Severe Storms and Flooding

$103K to the Town of Montgomery for repairs

2002

Severe Storms and Flooding

$4K to the Town of Montgomery for repairs

Franklin County has had 27 natural disasters declared since 1953, most often severe storms and floods.

Around Montgomery

Montgomery and the towns around it

Very lowLowModerateHighVery high

Montgomerymostly inland floodingHigh

Richfordmostly inland floodingHigh

Lowellmostly inland floodingModerate

Enosburghmostly inland floodingModerate

Belvideremostly inland floodingModerate

Edenmostly inland floodingModerate

Bakersfieldmostly inland floodingLow

Westfieldmostly 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. Montgomery covers 1 census tract, combined by population.

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 Town of Montgomery. 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 Montgomery total about $1.3M 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.