Natural hazards · Montgomery

Montgomery, WV natural hazards

Most of the natural-hazard damage FEMA expects in Montgomery comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 1997. 5 federal disasters brought FEMA money into town.

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

How exposed is Montgomery?

98
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montgomery to be higher than in 98% of U.S. communities, mostly from inland flooding.

Inland flooding94%Everything else6%
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

94% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

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 Montgomery flood?

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

1paid claims since 1997
$400paid to owners
0homes flooded more than once
19972026
of homes in flood zones
are insured
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: Fayette County.
Disasters that hit Montgomery

5 federal disasters brought FEMA money here

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

Brought FEMA money into MontgomeryDeclared for Fayette County only
2024

Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslides

5 households applied for aid $17K aid approved
2016

Severe Storms, Flooding, Landslides, and Mudslides

5 households applied for aid $452 aid approved
2012

Severe Storms and Straight-Line Winds

6 households applied for aid $5K aid approved
2004

Severe Storms, Flooding, and Landslides

1 household applied for aid $4K aid approved
2003

Severe Storms, Flooding, and Landslides

4 households applied for aid $9K aid approved
Fayette County has had 20 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. Montgomery 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 Montgomery’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Montgomery. 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/18 · 2025-01-01