Montgomery County, Indiana: hazard risk
FEMA rates Montgomery County's overall risk Very Low (score 41.0 of 100, higher than 40% of rated U.S. counties). Its storm record holds 468 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 Moderate | 79.0 | $1.3M |
| Winter Weather | Relatively Moderate | 75.9 | $179K |
| Drought | Relatively Moderate | 71.4 | $587K |
| Cold Wave | Relatively Moderate | 71.3 | $2.3M |
| Hail | Relatively Low | 72.2 | $637K |
| Earthquake | Relatively Low | 70.5 | $852K |
| Heat Wave | Relatively Low | 53.7 | $457K |
| Tornado | Relatively Low | 48.3 | $1.2M |
| Ice Storm | Relatively Low | 46.7 | $76K |
| Riverine Flooding | Relatively Low | 42.8 | $5.5M |
| Lightning | Relatively Low | 28.6 | $107K |
| Landslide | Very Low | 57.3 | $2K |
| Hurricane | Very Low | 31.2 | $16K |
| Wildfire | Very Low | 11.4 | $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 | 173 | 1 | $2.2M | 58th of 91 | 897th of 3,080 |
| Hail | 92 | 0 | $8.6M | 50th of 91 | 1315th of 3,080 |
| Floods | 68 | 0 | $715K | 59th of 91 | 871st of 3,080 |
| Winter storms | 60 | 0 | $21K | 79th of 91 | 1720th of 3,077 |
| Tornadoes | 28 | 6 | $263M | 41st of 91 | 621st of 3,080 |
| Drought | 16 | 0 | – | 30th of 91 | 1518th of 3,063 |
| High wind and dust storms | 13 | 0 | $90K | 74th of 91 | 1900th of 3,080 |
| Extreme cold | 9 | 0 | – | 33rd of 91 | 1347th of 3,076 |
| Heat | 4 | 0 | – | 37th of 91 | 1799th of 3,076 |
| Lightning | 2 | 0 | $51K | 58th of 91 | 1421st 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.