FEMA Records
21
Above median
Indiana · FEMA + NOAA + National Risk Index
Montgomery County, IN
21 FEMA disaster declarations (1965-2026), with a FEMA National Risk Index rating of Very Low. Most common hazard: Severe Storm.
- 21
- FEMA declarations
- 16
- Major disasters
- 41
- NRI risk · Very Low
- Severe Storm
- Top hazard
The verdict
Two federal records point in the busier direction for Montgomery County. Its 21 FEMA declarations are 23% above the Indiana county mean and exceed the count for 52% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it safer than 41%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Safer than 41%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 21
- FEMA declarations vs 21 national county avg
- 25
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
FEMA OpenFEMA declaration desk
County FIPS 18107 · Montgomery County 21 declarations · rank 1402/3,266
DECL-HEAVY · MAJOR-MID · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-ABOVE
- DECL-HEAVY 21
- MAJOR-MID 76%
- RANK-LOWER #1,402
- PHOTO-FINISH Mason
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Severe Storm
- VS-ST-ABOVE +23%
Nearest declaration peer: Mason, WV (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Indiana state profile
Montgomery County in the declaration-count neighbourhood
FEMA declaration records among Montgomery County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Atascosa · near 21
Atascosa · near
21 declarations
- Mason · near 21
Mason · near
21 declarations
- Montgomery · this county 21
Montgomery · this county
21 declarations
- Morgan · near 21
Morgan · near
21 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Montgomery County carries 21 FEMA declaration records, ranked 1402 of 3,266 counties in this registry.
How Montgomery County's FEMA declaration count compares nationally
Montgomery County vs. all counties in this dataset
FEMA disaster declarations, all-time · Montgomery County
21 Top 48% higher than 52% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-25
Montgomery County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Montgomery County is led by Riverine Flooding (about $5.5M Expected Annual Loss, Historical Loss Ratio Relatively Moderate), while Strong Wind carries the highest National Risk Index rating (Relatively Moderate). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Montgomery County's hazard record show?
FEMA National Risk Index
FEMA's data shows an elevated National Risk Index composite of 41.0/100 for this county (Very Low rating). Expected Annual Loss comes in at Very Low (roughly $13.2M in annualized losses). Social vulnerability (Relatively Low) and community resilience (Relatively High) both factor into how that raw exposure plays out on the ground. Among the 18 modeled hazards, Strong Wind carries the county's highest rating, a mid-range Relatively Moderate. FEMA's modeled frequency puts that hazard at an average of 4.7 times per year here, based on 179 historical events on record.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 25 claims and $373.6K paid in total. PlainHazard calls 1-49 claims a light registry record, a label for this dataset rather than a finding that flood exposure is low. A short claims history can also reflect insurance take-up, the period covered, or losses that were never insured.
The declaration register points in the busier direction. Montgomery County's 21 federal records stand 23% above the Indiana county mean of 17.1. That comparison describes how often federal action was recorded, including any Major Disaster, Emergency, and Fire Management entries shown on this page; it does not convert the count into future probability.
69 /100
Historical Activity Index
High historical activity
Montgomery County, IN · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) High
15/30
21 OpenFEMA declarations, full ingest window (1.0x national county average)
County Disaster Density High
15/25
21 declarations (1.2x state county average of 17)
Major Disaster Share Very High
19/25
16 of 21 declarations are major disasters (76%)
Hazard Diversity Very High
20/20
8 different disaster types declared in Montgomery County
FEMA NRI 8-hazard radar - Montgomery County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
76%
Mostly major
NRI risk score
41
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Montgomery County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Strong Wind | Relatively Moderate | an average of 4.7 times per year |
| Winter Weather | Relatively Moderate | an average of 9.9 times per year |
| Hail | Relatively Low | an average of 3.8 times per year |
| Drought | Relatively Moderate | 1.9 modeled event-days per year |
| Cold Wave | Relatively Moderate | an average of 3.6 times per year |
| Earthquake | Relatively Low | roughly once every 457 years |
| Landslide | Very Low | roughly once every 9 years |
| Heat Wave | Relatively Low | 4.4 modeled event-days per year |
| Tornado | Relatively Low | roughly once every 2 years |
| Ice Storm | Relatively Low | roughly once every 1 years |
| Riverine Flooding | Relatively Low | an average of 1.1 times per year |
| Hurricane | Very Low | roughly once every 46 years |
| Lightning | Relatively Low | an average of 47 times per year |
| Wildfire | Very Low | roughly once every 59,149 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 10
Flood 3
Biological 2
Snowstorm 2
Winter Storm 1
Hurricane 1
Severe Ice Storm 1
Tornado 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Montgomery County's record, 48% of its declarations. In FEMA's vocabulary this covers convective weather: thunderstorm straight-line winds, large hail, and the multi-day outbreaks that often carry embedded tornadoes. Activity is heaviest in spring and summer, though the season varies by region.
These events behave differently from a hurricane on paper. Damage tends to be distributed along a storm track rather than concentrated on a coastline, and a declaration typically follows an outbreak that crossed several counties over a few days, not a single point of impact. Because the qualifying threshold is the cost of uninsured public and individual losses rather than storm intensity, two similar storms can produce a declaration in one year and none in another.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 16 76.2%
of all 21 declarations
Emergency - 5 23.8%
of all 21 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2026 | 1 | |
| 2025 | 1 | |
| 2020 | 2 | |
| 2014 | 1 | |
| 2008 | 1 | |
| 2007 | 1 | |
| 2005 | 2 | |
| 2004 | 1 | |
| 2003 | 2 | |
| 2002 | 1 | |
| 1999 | 1 | |
| 1998 | 1 | |
| 1996 | 2 | |
| 1991 | 2 | |
| 1990 | 1 | |
Show 1 earlier declaration years
| 1965 | 1 | |
Disaster Declarations
How the 21 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 21 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 3641 | SEVERE WINTER STORM | EM | Winter Storm | 2026-01-24 |
| 4882 | SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING | DR | Flood | 2025-07-22 |
| 4515 | COVID-19 PANDEMIC | DR | Biological | 2020-04-03 |
| 3456 | COVID-19 | EM | Biological | 2020-03-13 |
| 4173 | SEVERE WINTER STORM AND SNOWSTORM | DR | Severe Storm | 2014-04-22 |
| 1766 | SEVERE STORMS, FLOODING, AND TORNADOES | DR | Severe Storm | 2008-06-08 |
| 3274 | SNOW | EM | Snowstorm | 2007-03-12 |
| 3238 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-10 |
| 1573 | SEVERE WINTER STORMS AND FLOODING | DR | Severe Storm | 2005-01-21 |
| 1520 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2004-06-03 |
| 1487 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2003-09-05 |
| 1476 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2003-07-11 |
| 1418 | SEVERE STORMS, TORNADOES AND FLOODING | DR | Severe Storm | 2002-06-13 |
| 3135 | IN-WINTER STORM 12/23/98 | EM | Snowstorm | 1999-01-15 |
| 1234 | SEVERE STORMS AND TORNADOES, AND FLOODING | DR | Severe Storm | 1998-07-22 |
| 1125 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 1996-07-03 |
| 1109 | BLIZZARD OF 96 | DR | Flood | 1996-04-02 |
| 899 | SEVERE ICE STORM | DR | Severe Ice Storm | 1991-03-29 |
| 891 | SEVERE STORMS & FLOODING | DR | Flood | 1991-01-05 |
| 869 | SEVERE STORMS, TORNADOES & FLOODING | DR | Severe Storm | 1990-06-04 |
Show 1 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 189 | TORNADOES & SEVERE STORMS | DR | Tornado | 1965-04-14 |
Storm Events in Indiana
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Montgomery County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 4,886 | 16 | 73 | $57.6M |
| Hail | 1,643 | 0 | 0 | $1.7M |
| Winter Weather | 1,166 | 32 | 80 | $2.5M |
| Flood | 850 | 13 | 3 | $16.0M |
| Flash Flood | 648 | 14 | 5 | $97.9M |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
25
Total Paid
$373.6K
Avg Per Claim
$14.9K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 41.0/100
Expected Annual Loss
Very Low
$13.2M/year
Social Vulnerability
Relatively Low
Community Resilience
Relatively High
Hazard Risk Breakdown
Strong Wind Relatively Moderate
Winter Weather Relatively Moderate
Hail Relatively Low
Drought Relatively Moderate
Cold Wave Relatively Moderate
Earthquake Relatively Low
Landslide Very Low
Heat Wave Relatively Low
Tornado Relatively Low
Ice Storm Relatively Low
Riverine Flooding Relatively Low
Hurricane Very Low
Lightning Relatively Low
Wildfire Very Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Strong Wind
Strong Wind covers damaging non-thunderstorm, non-tornadic wind, the kind produced by steep pressure gradients and downslope events. It is a broad, frequent, low-drama hazard: roofs, signage, power lines and high-profile vehicles, spread across a wide area rather than concentrated on a path.
For Montgomery County the two measures on this page point the same way: Strong Wind is the county's highest-rated modeled hazard (Relatively Moderate), and Severe Storm declarations also lead its federal record. Where the model and the declaration history agree, the reading is comparatively straightforward, the hazard is both expected and repeatedly realised.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Montgomery County's closest FEMA peer: Noxubee County, MS
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Montgomery County. Record similarity, not a safety rating.
Closest declaration profiles
Montgomery County shows 21 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Montgomery County: 16 of 21 of its declarations are Major.
Similar modeled NRI score
Montgomery County: NRI composite 41.0 (Very Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Montgomery County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Montgomery County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 41.0 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 21. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Most disaster-prone counties
With 21 FEMA declarations, Montgomery County sits in the high-volume declaration band - see how that count ranks against other U.S. counties.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Frequently Asked Questions
What is the most common disaster type in Montgomery County?
The most common disaster type in Montgomery County is Severe Storm, with 10 declarations. Other disaster types include Flood (3), Biological (2), Snowstorm (2).
How does Montgomery County's FEMA declaration record compare with the Indiana average?
FEMA lists 21 declaration records for Montgomery County. That is 23% above the Indiana county mean of 17.1. Its count is also 1% above the national county mean of 20.7. A larger declaration history records more federal actions; it is not a forecast of the county's next hazard.
How many major FEMA disaster declarations has Montgomery County received?
Montgomery County has received 16 major disaster declarations, representing 76% of all 21 disaster declarations.
How many flood insurance claims has Montgomery County filed?
Montgomery County has 25 National Flood Insurance Program (NFIP) claims totaling $373.6K in payments, with an average of $14.9K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Montgomery County?
No. In Montgomery County, Strong Wind has the highest National Risk Index rating (Relatively Moderate), while Riverine Flooding leads Expected Annual Loss at about $5.5M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Montgomery County?
The most active year for disaster declarations in Montgomery County was 1991, with 2 declarations. The county has FEMA disaster data spanning 1965 to 2026.
What is the FEMA National Risk Index score for Montgomery County?
According to the FEMA National Risk Index, Montgomery County, Indiana has an overall risk score of 41.0 out of 100 (Very Low). On social vulnerability the county rates Relatively Low; on community resilience, Relatively High. The Expected Annual Loss (EAL) score is Very Low, representing $13.2M in annualized losses.
Which natural hazard poses the greatest risk to Montgomery County?
FEMA's NRI data points to Montgomery County is Strong Wind (risk rating: Relatively Moderate). Other significant hazards include Winter Weather (Relatively Moderate) and Hail (Relatively Low). FEMA's modeled event frequency puts strong wind here at an average of 4.7 times per year, drawn from 179 historical events on record. These scores are based on FEMA's analysis of historical event frequency, exposed assets, and community vulnerability.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
FEMA OpenFEMA declarations + NRI for Montgomery County · vintage 2026-08-25 · Methodology · Indiana profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events