Montgomery County, Alabama: hazard risk
FEMA rates Montgomery County's overall risk Relatively Moderate (score 91.8 of 100, higher than 91% of rated U.S. counties); 5 of its 14 hazards are rated Relatively High or Very High, led by lightning, tornado, heat wave. Its storm record holds 738 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Lightning | Very High | 97.0 | $2.0M |
| Tornado | Relatively High | 96.6 | $13M |
| Heat Wave | Relatively High | 96.5 | $6.8M |
| Strong Wind | Relatively High | 95.7 | $2.6M |
| Riverine Flooding | Relatively High | 94.1 | $51M |
| Earthquake | Relatively Moderate | 92.5 | $6.3M |
| Hurricane | Relatively Moderate | 87.3 | $4.1M |
| Hail | Relatively Moderate | 76.4 | $580K |
| Ice Storm | Relatively Moderate | 67.5 | $152K |
| Drought | Relatively Low | 56.8 | $182K |
| Winter Weather | Relatively Low | 33.5 | $28K |
| Landslide | Very Low | 53.0 | $1K |
| Wildfire | Very Low | 51.6 | $41K |
| Cold Wave | Very Low | 21.7 | $204K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 283 | 0 | $5.8M | 25th of 67 | 922nd of 3,080 |
| Hail | 127 | 0 | $621K | 26th of 67 | 1376th of 3,080 |
| Heat | 71 | 1 | $203K | 8th of 67 | 317th of 3,076 |
| Drought | 70 | 0 | – | 12th of 67 | 416th of 3,063 |
| Tornadoes | 58 | 9 | $49M | 22nd of 67 | 456th of 3,080 |
| Floods | 50 | 1 | $3.3M | 17th of 67 | 1373rd of 3,080 |
| Extreme cold | 37 | 1 | $1.9M | 12th of 67 | 528th of 3,076 |
| Lightning | 11 | 1 | $1.3M | 31st of 67 | 804th of 3,080 |
| Winter storms | 8 | 3 | $66K | 52nd of 67 | 2881st of 3,077 |
| High wind and dust storms | 7 | 2 | $14M | 37th of 67 | 2410th of 3,080 |
| Hurricanes and tropical storms | 7 | 0 | $585K | 24th of 67 | 516th of 1,849 |
| Heavy rain | 4 | 0 | – | 15th of 67 | 1328th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Montgomery County record: every hazard by year and month, the deadliest events and FEMA's declarations.