Montgomery County, North Carolina: hazard risk
FEMA rates Montgomery County's overall risk Relatively Low (score 49.0 of 100, higher than 48% of rated U.S. counties). Its storm record holds 343 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 |
|---|---|---|---|
| Hurricane | Relatively Moderate | 83.6 | $2.4M |
| Ice Storm | Relatively Moderate | 77.5 | $253K |
| Tornado | Relatively Moderate | 65.6 | $1.6M |
| Riverine Flooding | Relatively Low | 55.6 | $5.9M |
| Heat Wave | Relatively Low | 46.5 | $234K |
| Drought | Relatively Low | 45.5 | $77K |
| Strong Wind | Relatively Low | 44.6 | $349K |
| Lightning | Relatively Low | 38.3 | $112K |
| Hail | Relatively Low | 37.3 | $121K |
| Winter Weather | Relatively Low | 33.2 | $26K |
| Cold Wave | Relatively Low | 31.2 | $333K |
| Earthquake | Very Low | 54.6 | $262K |
| Landslide | Very Low | 51.4 | $1K |
| Wildfire | Very Low | 45.1 | $26K |
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 | 153 | 0 | $3.2M | 69th of 100 | 1330th of 3,080 |
| Hail | 59 | 0 | $45K | 82nd of 100 | 1799th of 3,080 |
| Winter storms | 49 | 0 | – | 61st of 100 | 1557th of 3,077 |
| Floods | 41 | 0 | $24M | 52nd of 100 | 1170th of 3,080 |
| High wind and dust storms | 17 | 0 | $1.4M | 57th of 100 | 1314th of 3,080 |
| Hurricanes and tropical storms | 8 | 0 | $1.4M | 43rd of 100 | 365th of 1,849 |
| Tornadoes | 7 | 0 | $15M | 81st of 100 | 2253rd of 3,080 |
| Heavy rain | 3 | 0 | – | 63rd of 100 | 1222nd of 3,080 |
| Lightning | 3 | 0 | $14K | 74th of 100 | 1400th of 3,080 |
| Extreme cold | 2 | 0 | – | 70th of 100 | 2398th of 3,076 |
| Heat | 1 | 0 | – | 71st of 100 | 2190th of 3,076 |
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.