Montgomery County, Missouri: hazard risk
FEMA rates Montgomery County's overall risk Very Low (score 38.3 of 100, higher than 38% of rated U.S. counties). Its storm record holds 424 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 |
|---|---|---|---|
| Heat Wave | Relatively Moderate | 87.1 | $1.9M |
| Landslide | Relatively Low | 84.3 | $22K |
| Earthquake | Relatively Low | 69.1 | $606K |
| Hail | Relatively Low | 62.2 | $332K |
| Drought | Relatively Low | 58.0 | $201K |
| Ice Storm | Relatively Low | 57.1 | $95K |
| Riverine Flooding | Relatively Low | 47.9 | $5.0M |
| Lightning | Relatively Low | 41.3 | $137K |
| Cold Wave | Relatively Low | 40.8 | $552K |
| Strong Wind | Relatively Low | 33.3 | $267K |
| Tornado | Relatively Low | 32.7 | $484K |
| Winter Weather | Relatively Low | 26.4 | $20K |
| Wildfire | Very Low | 44.4 | $27K |
| Hurricane | Very Low | 21.0 | $5K |
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. |
|---|---|---|---|---|---|
| Hail | 120 | 0 | $21K | 71st of 114 | 1033rd of 3,080 |
| Severe thunderstorm wind | 114 | 0 | $120K | 60th of 114 | 1589th of 3,080 |
| Heat | 55 | 0 | – | 22nd of 114 | 276th of 3,076 |
| Winter storms | 53 | 0 | $9K | 49th of 114 | 1563rd of 3,077 |
| Floods | 37 | 0 | $24K | 72nd of 114 | 1129th of 3,080 |
| Tornadoes | 25 | 0 | $5.2M | 43rd of 114 | 1174th of 3,080 |
| Drought | 7 | 0 | – | 98th of 114 | 1871st of 3,063 |
| High wind and dust storms | 6 | 0 | $4K | 37th of 114 | 2271st of 3,080 |
| Extreme cold | 5 | 0 | – | 93rd of 114 | 1836th of 3,076 |
| Heavy rain | 1 | 0 | – | 83rd of 114 | 1954th 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.