Natural hazards · Montcalm

Montcalm, WV natural hazards

Most of the natural-hazard damage FEMA expects in Montcalm comes from inland flooding, and overall the risk is high for a U.S. community. 8 federal disasters brought FEMA money into town.

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

How exposed is Montcalm?

70
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montcalm to be higher than in 70% of U.S. communities, mostly from inland flooding.

Inland flooding77%Cold waves14%Everything else9%
By hazard

What Montcalm faces

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

Inland flooding

77% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about 2 times a year in the area

Cold waves

14% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHeat wavesDroughtAvalanchesTsunamisVolcanic 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 Montcalm flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Montcalm isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Mercer County.
Disasters that hit Montcalm

8 federal disasters brought FEMA money here

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

Brought FEMA money into MontcalmDeclared for Mercer County only
2025

Severe Storm, Straight-Line Winds, Flooding, Landslides, and Mudslides

18 households applied for aid $189K aid approved
2024

Post-Tropical Storm Helene

9 households applied for aid $33K aid approved
2012

Severe Storms and Straight-Line Winds

3 households applied for aid
2010

Severe Storms, Flooding, Mudslides, and Landslides

15 households applied for aid $17K aid approved
2009

Severe Storms, Flooding, Mudslides, and Landslides

8 households applied for aid $19K aid approved
2004

Severe Storms, Flooding, and Landslides

40 households applied for aid $110K aid approved
2003

Severe Storms, Flooding, and Landslides

53 households applied for aid $117K aid approved
2003

Severe Winter Storm, Record/Near Record Snow, Heavy Rains, Flooding and Landslides

10 households applied for aid $19K aid approved
Mercer County has had 24 natural disasters declared since 1953, most often severe storms 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. Montcalm 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 Montcalm’s own flood-insurance community; household aid to the registrant’s city; repair grants to Montcalm. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01