FEMA Records
20
Above median
Iowa · FEMA + NOAA + National Risk Index
Montgomery County, IA
20 FEMA disaster declarations (1965-2024), with a FEMA National Risk Index rating of Very Low. Most common hazard: Severe Storm.
- 20
- FEMA declarations
- 18
- Major disasters
- 34
- NRI risk · Very Low
- Severe Storm
- Top hazard
The verdict
Two federal records point in the busier direction for Montgomery County. Its 20 FEMA declarations are 4% above the Iowa county mean and exceed the count for 46% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it safer than 34%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Safer than 34%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 20
- FEMA declarations vs 21 national county avg
- 82
- 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 19137 · Montgomery County 20 declarations · rank 1685/3,266
DECL-HEAVY · MAJOR-HEAVY · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-ABOVE
- DECL-HEAVY 20
- MAJOR-HEAVY 90%
- RANK-LOWER #1,685
- PHOTO-FINISH Monona
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Severe Storm
- VS-ST-ABOVE +4%
Nearest declaration peer: Monona, IA (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Iowa 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
- Cleveland · near 20
Cleveland · near
20 declarations
- Monona · near 20
Monona · near
20 declarations
- Montgomery · this county 20
Montgomery · this county
20 declarations
- Tallapoosa · near 20
Tallapoosa · near
20 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Montgomery County carries 20 FEMA declaration records, ranked 1685 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
20 46th percentile higher than 46% 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 $4.2M Expected Annual Loss, Historical Loss Ratio Relatively Low), while Drought 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?
Reading the federal records together
The NFIP claims register shows a middle-volume loss record here: 82 paid claims, totaling $240.2K. PlainHazard uses 50-499 claims for this descriptive band; FEMA does not publish it as a safety or coverage category. The $2.9K average describes payments on recorded claims only, leaving uninsured damage and properties without a claim outside the measure.
The declaration register points in the busier direction. Montgomery County's 20 federal records stand 4% above the Iowa county mean of 19.3. 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.
FEMA National Risk Index
FEMA's data shows an elevated National Risk Index composite of 33.7/100 for this county (Very Low rating). Expected Annual Loss comes in at Very Low (roughly $11.2M 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, Drought carries the county's highest rating, a mid-range Relatively Moderate. FEMA's modeled frequency puts that hazard at 6.6 modeled event-days per year here, based on 168 historical events on record.
63 /100
Historical Activity Index
High historical activity
Montgomery County, IA · 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) Moderate
14/30
20 OpenFEMA declarations, full ingest window (1.0x national county average)
County Disaster Density High
13/25
20 declarations (1.0x state county average of 19)
Major Disaster Share Very High
23/25
18 of 20 declarations are major disasters (90%)
Hazard Diversity High
13/20
5 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
90%
Mostly major
NRI risk score
34
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 |
|---|---|---|
| Drought | Relatively Moderate | 6.6 modeled event-days per year |
| Hail | Relatively Low | an average of 6.2 times per year |
| Heat Wave | Relatively Low | 8 modeled event-days per year |
| Cold Wave | Relatively Low | an average of 4.5 times per year |
| Tornado | Relatively Low | roughly once every 3 years |
| Landslide | Very Low | roughly once every 6 years |
| Strong Wind | Relatively Low | an average of 4.3 times per year |
| Ice Storm | Relatively Low | roughly once every 2 years |
| Wildfire | Very Low | roughly once every 961 years |
| Riverine Flooding | Very Low | roughly once every 1 years |
| Winter Weather | Relatively Low | an average of 12 times per year |
| Earthquake | Very Low | roughly once every 1,887 years |
| Lightning | Very Low | an average of 46 times per year |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 9
Flood 6
Biological 2
Severe Ice Storm 2
Hurricane 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Montgomery County's record, 45% 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 - 18 90.0%
of all 20 declarations
Emergency - 2 10.0%
of all 20 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2024 | 1 | |
| 2020 | 2 | |
| 2019 | 1 | |
| 2014 | 1 | |
| 2010 | 1 | |
| 2008 | 2 | |
| 2007 | 2 | |
| 2005 | 1 | |
| 2004 | 1 | |
| 1999 | 2 | |
| 1998 | 1 | |
| 1993 | 1 | |
| 1992 | 1 | |
| 1987 | 1 | |
| 1972 | 1 | |
Show 1 earlier declaration years
| 1965 | 1 | |
Disaster Declarations
How the 20 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 20 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4784 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2024-05-24 |
| 4483 | COVID-19 PANDEMIC | DR | Biological | 2020-03-23 |
| 3480 | COVID-19 | EM | Biological | 2020-03-13 |
| 4421 | SEVERE STORMS AND FLOODING | DR | Flood | 2019-03-23 |
| 4181 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING | DR | Severe Storm | 2014-07-14 |
| 1930 | SEVERE STORMS, FLOODING, AND TORNADOES | DR | Severe Storm | 2010-07-29 |
| 1763 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2008-05-27 |
| 1737 | SEVERE WINTER STORM | DR | Severe Ice Storm | 2008-01-04 |
| 1727 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2007-09-14 |
| 1705 | SEVERE STORMS, FLOODING, AND TORNADOES | DR | Severe Storm | 2007-05-25 |
| 3239 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-10 |
| 1518 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2004-05-25 |
| 1282 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 1999-07-22 |
| 1277 | SEVERE STORMS, FLOODING, AND TORNADOES | DR | Severe Storm | 1999-05-21 |
| 1230 | SEVERE STORMS, TORNADOES AND FLOODING | DR | Flood | 1998-07-02 |
| 996 | SEVERE STORMS & FLOODING | DR | Flood | 1993-07-09 |
| 928 | ICE STORM | DR | Severe Ice Storm | 1991-12-26 |
| 795 | STORMS & FLASH FLOODING | DR | Flood | 1987-07-17 |
| 354 | SEVERE STORMS & FLOODING | DR | Flood | 1972-09-26 |
| 193 | FLOODING | DR | Flood | 1965-04-22 |
Storm Events in Iowa
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Montgomery County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 4,928 | 6 | 227 | $40.5M |
| Hail | 3,736 | 0 | 0 | $4.3M |
| Heavy Rain | 2,394 | 0 | 0 | $292.0K |
| Drought | 1,556 | 0 | 0 | $0 |
| Winter Storm | 1,543 | 3 | 4 | $2.8M |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
82
Total Paid
$240.2K
Avg Per Claim
$2.9K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 33.7/100
Expected Annual Loss
Very Low
$11.2M/year
Social Vulnerability
Relatively Low
Community Resilience
Relatively High
Hazard Risk Breakdown
Drought Relatively Moderate
Hail Relatively Low
Heat Wave Relatively Low
Cold Wave Relatively Low
Tornado Relatively Low
Landslide Very Low
Strong Wind Relatively Low
Ice Storm Relatively Low
Wildfire Very Low
Riverine Flooding Very Low
Winter Weather Relatively Low
Earthquake Very Low
Lightning Very Low
Hurricane No Rating
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: Drought
Drought is the slowest of the modeled hazards and the least visible: it does its damage to agriculture, water supply and soil over seasons rather than hours, so it rarely produces the kind of single-day damage that drives a disaster declaration. FEMA scores it in event-days per year rather than discrete events for exactly that reason.
Worth noting for Montgomery County: the model and the federal record do NOT point at the same hazard. Drought carries the highest modeled rating (Relatively Moderate), while the county's declaration history is led by Severe Storm. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
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: Colfax County, NE
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 20 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Montgomery County: 18 of 20 of its declarations are Major.
Similar modeled NRI score
Montgomery County: NRI composite 33.7 (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: 33.7 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 20. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Understanding disaster data
Montgomery County's NFIP claims file (82 claims) and FEMA declaration history measure different federal records - this guide separates them from modeled NRI risk.
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 9 declarations. Other disaster types include Flood (6), Biological (2), Severe Ice Storm (2).
How does Montgomery County's FEMA declaration record compare with the Iowa average?
FEMA lists 20 declaration records for Montgomery County. That is 4% above the Iowa county mean of 19.3. Its count is also 3% below 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 18 major disaster declarations, representing 90% of all 20 disaster declarations.
How many flood insurance claims has Montgomery County filed?
Montgomery County has 82 National Flood Insurance Program (NFIP) claims totaling $240.2K in payments, with an average of $2.9K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Montgomery County?
No. In Montgomery County, Drought has the highest National Risk Index rating (Relatively Moderate), while Riverine Flooding leads Expected Annual Loss at about $4.2M. 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 1999, with 2 declarations. The county has FEMA disaster data spanning 1965 to 2024.
What is the FEMA National Risk Index score for Montgomery County?
According to the FEMA National Risk Index, Montgomery County, Iowa has an overall risk score of 33.7 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 $11.2M in annualized losses.
Which natural hazard poses the greatest risk to Montgomery County?
Based on FEMA NRI data, the highest-risk natural hazard in Montgomery County is Drought (risk rating: Relatively Moderate). Other significant hazards include Hail (Relatively Low) and Heat Wave (Relatively Low). FEMA's modeled event frequency puts drought here at 6.6 modeled event-days per year, drawn from 168 historical events on record. The underlying methodology weighs historical event frequency against 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 · Iowa profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events