Montgomery County, Ohio: hazard risk
FEMA rates Montgomery County's overall risk Relatively Moderate (score 92.7 of 100, higher than 92% of rated U.S. counties); 8 of its 14 hazards are rated Relatively High or Very High, led by ice storm, strong wind, hail. Its storm record holds 1,043 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 |
|---|---|---|---|
| Ice Storm | Very High | 96.3 | $1.9M |
| Strong Wind | Relatively High | 97.5 | $4.3M |
| Hail | Relatively High | 95.7 | $3.2M |
| Riverine Flooding | Relatively High | 95.5 | $80M |
| Cold Wave | Relatively High | 95.0 | $11M |
| Lightning | Relatively High | 93.8 | $1.5M |
| Tornado | Relatively High | 92.6 | $8.6M |
| Winter Weather | Relatively High | 92.6 | $480K |
| Earthquake | Relatively Moderate | 91.1 | $6.0M |
| Heat Wave | Relatively Moderate | 88.7 | $2.6M |
| Landslide | Relatively Low | 66.2 | $4K |
| Hurricane | Very Low | 49.2 | $66K |
| Wildfire | Very Low | 44.1 | $32K |
| Drought | Very Low | 26.9 | $16K |
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 | 476 | 1 | $3.5M | 9th of 88 | 96th of 3,080 |
| Hail | 207 | 0 | $117M | 10th of 88 | 209th of 3,080 |
| Winter storms | 162 | 3 | $990K | 4th of 88 | 241st of 3,077 |
| Floods | 130 | 1 | $979K | 20th of 88 | 327th of 3,080 |
| High wind and dust storms | 24 | 1 | $88M | 46th of 88 | 926th of 3,080 |
| Tornadoes | 22 | 1 | $603M | 31st of 88 | 1086th of 3,080 |
| Heat | 8 | 0 | – | 13th of 88 | 1077th of 3,076 |
| Heavy rain | 5 | 0 | $1K | 15th of 88 | 817th of 3,080 |
| Extreme cold | 4 | 0 | $957K | 72nd of 88 | 1900th of 3,076 |
| Lightning | 3 | 0 | $167K | 28th of 88 | 1024th of 3,080 |
| Drought | 2 | 0 | – | 67th of 88 | 2242nd of 3,063 |
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.