Montgomery County, Illinois: hazard risk
FEMA rates Montgomery County's overall risk Relatively Low (score 65.4 of 100, higher than 65% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by strong wind. Its storm record holds 533 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 |
|---|---|---|---|
| Strong Wind | Relatively High | 84.4 | $1.4M |
| Earthquake | Relatively Moderate | 90.4 | $5.0M |
| Drought | Relatively Moderate | 79.9 | $837K |
| Heat Wave | Relatively Moderate | 79.4 | $1.3M |
| Cold Wave | Relatively Moderate | 75.3 | $2.4M |
| Hail | Relatively Moderate | 74.8 | $622K |
| Tornado | Relatively Moderate | 71.5 | $2.4M |
| Lightning | Relatively Moderate | 56.8 | $270K |
| Landslide | Relatively Low | 70.5 | $6K |
| Riverine Flooding | Relatively Low | 58.7 | $7.7M |
| Winter Weather | Relatively Low | 54.3 | $67K |
| Ice Storm | Relatively Low | 37.6 | $42K |
| Hurricane | Very Low | 42.1 | $32K |
| Wildfire | Very Low | 13.6 | $4K |
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 | 201 | 0 | $167K | 81st of 102 | 1539th of 3,080 |
| Hail | 137 | 0 | $86K | 68th of 102 | 1552nd of 3,080 |
| Tornadoes | 55 | 3 | $13M | 35th of 102 | 487th of 3,080 |
| Winter storms | 49 | 0 | – | 87th of 102 | 1960th of 3,077 |
| Heat | 47 | 0 | – | 34th of 102 | 408th of 3,076 |
| Floods | 22 | 0 | $1K | 101st of 102 | 1986th of 3,080 |
| High wind and dust storms | 8 | 8 | $8K | 95th of 102 | 2264th of 3,080 |
| Drought | 5 | 0 | – | 94th of 102 | 2108th of 3,063 |
| Extreme cold | 5 | 0 | – | 97th of 102 | 2063rd of 3,076 |
| Heavy rain | 2 | 0 | – | 55th of 102 | 1680th of 3,080 |
| Lightning | 2 | 0 | $151K | 59th of 102 | 1646th 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.