FEMA Records
17
Below median
Pennsylvania · FEMA + NOAA + National Risk Index
Montour County, PA
17 FEMA disaster declarations (1972-2020), with a FEMA National Risk Index rating of Very Low. Most common hazard: Flood.
- 17
- FEMA declarations
- 11
- Major disasters
- 15
- NRI risk · Very Low
- Flood
- Top hazard
The verdict
Montour County has a nationally busy FEMA history: 17 declarations, more than 32% of counties in this registry. But the state comparison tempers that reading: the total is 9% below the Pennsylvania county mean. FEMA's separate National Risk Index places the county safer than 15%; that score models loss and vulnerability rather than counting declarations.
- Safer than 15%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 17
- FEMA declarations vs 21 national county avg
- 154
- 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.
How does Montour County compare?
Montour County vs. all counties in this dataset
FEMA disaster declarations, all-time
17 32nd percentile higher than 32% 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 · 2026-08-03
Montour County's FEMA Risk Index score
FEMA National Risk Index composite score vs. the Pennsylvania county average
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Montour County is led by Riverine Flooding (about $4.2M Expected Annual Loss, Historical Loss Ratio Relatively Moderate), while Hurricane carries the highest National Risk Index rating (Relatively Low). 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 Montour County's hazard record show?
Reading the federal records together
The NFIP claims register shows a middle-volume loss record here: 154 paid claims, totaling $3.2M. PlainHazard uses 50-499 claims for this descriptive band; FEMA does not publish it as a safety or coverage category. The $20.7K average describes payments on recorded claims only, leaving uninsured damage and properties without a claim outside the measure.
Start with the state benchmark: a Pennsylvania county averages 18.6 federal declaration records, while Montour County has 17. The gap is 9% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
Declaration frequency
Nationally, Montour County's 17 FEMA records form a high-volume history; within Pennsylvania, however, the count is 9% below the county mean. 11 entries carry the Major Disaster classification. The largest incident group is Flood, appearing 5 times. The full 48-year record averages 0.4 declarations annually. A DR label alone does not say whether Individual Assistance, Public Assistance, or both followed.
FEMA National Risk Index
FEMA's National Risk Index places this county in the low end of the national distribution, composite score 14.7/100 (Very Low). Expected Annual Loss is rated Very Low (roughly $5.5M in annualized losses). Two modifiers shape how that exposure becomes real-world harm here: social vulnerability (Relatively Moderate) and community resilience (Very High). Even the county's top-rated hazard, Hurricane, only reaches Relatively Low on FEMA's scale, none of the 18 modeled hazards stand out here. FEMA's modeled frequency puts that hazard at roughly once every 28 years here, based on 8 historical events on record.
52 /100
Historical Activity Index
High historical activity
Montour County, PA · 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
12/30
17 OpenFEMA declarations, full ingest window (0.8x national county average)
County Disaster Density Moderate
11/25
17 declarations (0.9x state county average of 19)
Major Disaster Share High
16/25
11 of 17 declarations are major disasters (65%)
Hazard Diversity High
13/20
5 different disaster types declared in Montour County
Historical Declaration Activity
Activity Band
High
vs. Pennsylvania Avg
-9%
State avg: 18.6
vs. National Avg
-18%
National avg: 20.7
Avg Per Year
0.4
Over 48 years
FEMA NRI 8-hazard radar - Montour 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
65%
Major-heavy
NRI risk score
15
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Montour 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 |
|---|---|---|
| Hurricane | Relatively Low | roughly once every 28 years |
| Landslide | Very Low | roughly once every 9 years |
| Winter Weather | Relatively Low | an average of 12 times per year |
| Riverine Flooding | Relatively Low | roughly once every 1 years |
| Earthquake | Very Low | roughly once every 1,348 years |
| Strong Wind | Relatively Low | an average of 2.8 times per year |
| Lightning | Relatively Low | an average of 34 times per year |
| Heat Wave | Very Low | 2.8 modeled event-days per year |
| Tornado | Very Low | roughly once every 20 years |
| Avalanche | Very Low | roughly once every 100 years |
| Cold Wave | Very Low | an average of 1.4 times per year |
| Hail | Very Low | an average of 1.6 times per year |
| Wildfire | Very Low | roughly once every 18,979 years |
| Ice Storm | Very Low | roughly once every 38 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 5
Flood 5
Hurricane 3
Biological 2
Snowstorm 2
What Flood declarations mean here
Flood is the most frequent declaration type on Montour County's record, 29% of its declarations. Federal flood declarations cover two mechanisms that behave very differently: riverine flooding, which builds over days as a watershed drains and is usually forecast well in advance, and flash flooding, which can arrive in under an hour from rainfall that fell somewhere upstream.
Flood is also the one hazard class where a second federal dataset exists for the same events. The National Flood Insurance Program records what was actually paid on insured losses, so it measures a narrower thing than the declaration count: uninsured damage, and flooding outside mapped special flood hazard areas, never enters it. Reading the two together is more informative than either alone.
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 - 11 64.7%
of all 17 declarations
Emergency - 6 35.3%
of all 17 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2020 | 2 | |
| 2019 | 1 | |
| 2013 | 1 | |
| 2011 | 2 | |
| 2006 | 1 | |
| 2005 | 1 | |
| 2004 | 2 | |
| 2003 | 1 | |
| 1996 | 2 | |
| 1994 | 1 | |
| 1993 | 1 | |
| 1975 | 1 | |
| 1972 | 1 | |
Disaster Declarations
How the 17 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 17 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4506 | COVID-19 PANDEMIC | DR | Biological | 2020-03-30 |
| 3441 | COVID-19 | EM | Biological | 2020-03-13 |
| 4408 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2018-11-27 |
| 3356 | HURRICANE SANDY | EM | Hurricane | 2012-10-29 |
| 4030 | TROPICAL STORM LEE | DR | Flood | 2011-09-12 |
| 3340 | REMNANTS OF TROPICAL STORM LEE | EM | Flood | 2011-09-08 |
| 1649 | SEVERE STORMS, FLOODING, AND MUDSLIDES | DR | Severe Storm | 2006-06-30 |
| 3235 | HURRICANE KATRINA | EM | Hurricane | 2005-09-10 |
| 1555 | SEVERE STORMS AND FLOODING ASSOCIATED WITH TROPICAL DEPRESSION FRANCES | DR | Severe Storm | 2004-09-19 |
| 1557 | TROPICAL DEPRESSION IVAN | DR | Hurricane | 2004-09-19 |
| 3180 | SNOW | EM | Severe Storm | 2003-03-14 |
| 1093 | SEVERE STORMS AND FLOODING | DR | Flood | 1996-01-21 |
| 1085 | BLIZZARD OF 96 | DR | Snowstorm | 1996-01-13 |
| 1015 | SEVERE WINTER STORMS | DR | Severe Storm | 1994-03-10 |
| 3105 | SEVERE SNOWFALL & WINTER STORM | EM | Snowstorm | 1993-03-16 |
| 485 | SEVERE STORMS, HEAVY RAINS & FLOODING | DR | Flood | 1975-09-26 |
| 340 | TROPICAL STORM AGNES | DR | Flood | 1972-06-23 |
Storm Events in Pennsylvania
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Montour County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 9,976 | 18 | 114 | $115.5M |
| Flash Flood | 2,288 | 23 | 8 | $463.2M |
| Winter Weather | 1,670 | 23 | 268 | $566.0K |
| Hail | 1,400 | 0 | 0 | $2.6M |
| Winter Storm | 881 | 14 | 17 | $2.9M |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
154
Total Paid
$3.2M
Avg Per Claim
$20.7K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 14.7/100
Expected Annual Loss
Very Low
$5.5M/year
Social Vulnerability
Relatively Moderate
Community Resilience
Very High
Hazard Risk Breakdown
Hurricane Relatively Low
Landslide Very Low
Winter Weather Relatively Low
Riverine Flooding Relatively Low
Earthquake Very Low
Strong Wind Relatively Low
Lightning Relatively Low
Heat Wave Very Low
Tornado Very Low
Avalanche Very Low
Cold Wave Very Low
Hail Very Low
Wildfire Very Low
Ice Storm Very Low
Drought 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: Hurricane
Hurricane exposure in the model bundles the three ways a tropical system does harm, which arrive on different timescales and are insured differently: wind, storm surge on the coast, and rainfall flooding that can reach far inland well after landfall.
Worth noting for Montour County: the model and the federal record do NOT point at the same hazard. Hurricane carries the highest modeled rating (Relatively Low), while the county's declaration history is led by Flood. 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
Montour County's closest FEMA peer: Boone County, IN
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Montour County. Record similarity, not a safety rating.
Closest declaration profiles
Montour County shows 17 FEMA declarations, led by Flood.
Similar Major-disaster share
Montour County: 11 of 17 of its declarations are Major.
Similar modeled NRI score
Montour County: NRI composite 14.7 (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 Montour County - capture-dated entries only.
Further reading for this county
Understanding disaster data
Montour County's NFIP claims file (154 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).
Related
Frequently Asked Questions
What is the most common disaster type in Montour County?
The most common disaster type in Montour County is Flood, with 5 declarations. Other disaster types include Severe Storm (5), Hurricane (3), Biological (2).
How does Montour County's FEMA declaration record compare with the Pennsylvania average?
The typical Pennsylvania county has 18.6 FEMA declaration records; Montour County has 17, or 9% fewer. Against the national county mean of 20.7, this county's total is 18% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Montour County received?
Montour County has received 11 major disaster declarations, representing 65% of all 17 disaster declarations.
How many flood insurance claims has Montour County filed?
Montour County has 154 National Flood Insurance Program (NFIP) claims totaling $3.2M in payments, with an average of $20.7K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Montour County?
No. In Montour County, Hurricane has the highest National Risk Index rating (Relatively Low), 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 Montour County?
The most active year for disaster declarations in Montour County was 1996, with 2 declarations. The county has FEMA disaster data spanning 1972 to 2020.
What is the FEMA National Risk Index score for Montour County?
According to the FEMA National Risk Index, Montour County, Pennsylvania has an overall risk score of 14.7 out of 100 (Very Low). The county's social vulnerability rating is Relatively Moderate and community resilience is Very High. The Expected Annual Loss (EAL) score is Very Low, representing $5.5M in annualized losses.
Which natural hazard poses the greatest risk to Montour County?
FEMA's NRI data points to Montour County as of the latest release is Hurricane (risk rating: Relatively Low). Other significant hazards include Landslide (Very Low) and Winter Weather (Relatively Low). FEMA's modeled event frequency puts hurricane here at roughly once every 28 years, drawn from 8 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.
What this means for Montour County
Against a Pennsylvania county mean of 19 declarations, Montour County, PA records 17, or 9% fewer. PlainHazard classifies that historical total as high activity.
- Major Disaster is the largest group (11 of 17) in a declaration history that remains below its state benchmark; frequency here is not a forecast. Pennsylvania overview
- Nationally the county exceeds 32% of recorded county totals, but its own Pennsylvania benchmark is higher. The ranking keeps those two contexts separate. Most-disaster rankings
- Use the data guide to separate this mid-volume insurance-claims file from declaration counts and modeled NRI risk. Disaster-data guide
A below-average federal record is not a safety guarantee. Use National Weather Service alerts and local emergency-management notices for present conditions, not this historical comparison.
PlainHazard derives this profile from FEMA's Disaster Declarations Summaries and National Risk Index data. The declaration comparison covers 3,266 U.S. counties and county equivalents in this database, refreshed as of 2026-08-03. Read our methodology - how this data is sourced, computed, and verified.
All federal data sources used on this page
- FEMA OpenFEMA, Disaster Declarations Summaries v2 - all federally-declared disasters for this county. fema.gov/openfema/disaster-declarations
- FEMA National Risk Index (NRI) - per-county per-hazard risk ratings and expected annual loss. hazards.fema.gov/nri
- NOAA NCEI Storm Events Database - state-level storm/severe-weather event records, 2015-2025. ncdc.noaa.gov/stormevents
Data sourced from official public datasets. See our methodology for details. Retrieved and formatted by PlainHazard Editorial
Verify with FEMA → · Verify with FEMA NRI → · Verify with NOAA →
Every figure on PlainHazard is rendered directly from FEMA federal disaster data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or national statistics report, the data & editorial changelog, or report a data error.