Montgomery County, Texas: hazard risk
FEMA rates Montgomery County's overall risk Relatively High (score 95.7 of 100, higher than 95% of rated U.S. counties); 8 of its 14 hazards are rated Relatively High or Very High, led by lightning, tornado, ice storm. Its storm record holds 641 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 |
|---|---|---|---|
| Lightning | Very High | 99.7 | $8.6M |
| Tornado | Very High | 99.4 | $62M |
| Ice Storm | Very High | 95.2 | $1.9M |
| Cold Wave | Relatively High | 97.9 | $23M |
| Riverine Flooding | Relatively High | 95.6 | $94M |
| Hurricane | Relatively High | 93.7 | $18M |
| Strong Wind | Relatively High | 93.0 | $2.8M |
| Winter Weather | Relatively High | 86.1 | $336K |
| Heat Wave | Relatively Moderate | 95.8 | $7.9M |
| Hail | Relatively Moderate | 89.6 | $1.9M |
| Drought | Relatively Moderate | 68.6 | $547K |
| Wildfire | Relatively Low | 79.3 | $426K |
| Earthquake | Relatively Low | 66.0 | $713K |
| Landslide | Very Low | 53.3 | $2K |
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 | 244 | 3 | $3.8M | 67th of 254 | 1852nd of 3,080 |
| Hail | 168 | 0 | $19M | 157th of 254 | 1726th of 3,080 |
| Floods | 79 | 5 | $8.7B | 99th of 254 | 1510th of 3,080 |
| Tornadoes | 55 | 0 | $25M | 63rd of 254 | 718th of 3,080 |
| Lightning | 18 | 2 | $233K | 20th of 254 | 573rd of 3,080 |
| Drought | 15 | 0 | $15M | 233rd of 254 | 1864th of 3,063 |
| Heat | 15 | 13 | – | 111th of 254 | 1190th of 3,076 |
| Winter storms | 14 | 2 | $6K | 202nd of 254 | 2830th of 3,077 |
| Hurricanes and tropical storms | 4 | 2 | $723M | 43rd of 254 | 778th of 1,849 |
| High wind and dust storms | 2 | 1 | $4K | 168th of 254 | 2879th of 3,080 |
| Extreme cold | 1 | 3 | $259K | 225th of 254 | 2782nd of 3,076 |
| Heavy rain | 1 | 1 | – | 150th of 254 | 2241st 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.