Montgomery County, New York: hazard risk
FEMA rates Montgomery County's overall risk Relatively Low (score 65.2 of 100, higher than 65% of rated U.S. counties). Its storm record holds 968 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 |
|---|---|---|---|
| Landslide | Relatively Moderate | 92.5 | $65K |
| Riverine Flooding | Relatively Moderate | 80.5 | $16M |
| Winter Weather | Relatively Moderate | 66.4 | $92K |
| Hurricane | Relatively Low | 68.0 | $397K |
| Cold Wave | Relatively Low | 59.1 | $1.1M |
| Ice Storm | Relatively Low | 57.0 | $94K |
| Lightning | Relatively Low | 55.0 | $226K |
| Hail | Relatively Low | 46.0 | $182K |
| Tornado | Relatively Low | 41.7 | $743K |
| Strong Wind | Relatively Low | 33.7 | $269K |
| Earthquake | Very Low | 51.8 | $244K |
| Heat Wave | Very Low | 36.4 | $154K |
| Avalanche | Very Low | 29.2 | $83 |
| Wildfire | Very Low | 27.7 | $10K |
| Drought | No Rating | 0.0 | $0 |
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 | 343 | 0 | $4.5M | 7th of 58 | 345th of 3,080 |
| Winter storms | 199 | 2 | $556K | 5th of 58 | 129th of 3,077 |
| Floods | 148 | 2 | $17M | 6th of 58 | 170th of 3,080 |
| High wind and dust storms | 90 | 0 | $699K | 4th of 58 | 117th of 3,080 |
| Extreme cold | 66 | 0 | – | 3rd of 58 | 67th of 3,076 |
| Hail | 60 | 0 | $12K | 20th of 58 | 1965th of 3,080 |
| Heat | 38 | 0 | – | 8th of 58 | 304th of 3,076 |
| Tornadoes | 10 | 0 | $60M | 7th of 58 | 1922nd of 3,080 |
| Lightning | 7 | 0 | $106K | 17th of 58 | 430th of 3,080 |
| Drought | 2 | 0 | – | 34th of 58 | 2203rd of 3,063 |
| Heavy rain | 1 | 0 | $1.7M | 40th of 58 | 1766th of 3,080 |
| Hurricanes and tropical storms | 1 | 0 | – | 14th of 58 | 876th of 1,849 |
| Wildfires | 1 | 0 | – | 5th of 58 | 781st of 2,972 |
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.