Property Atlas

County hazard profile

Montgomery, KS

Kansas · pop. 31,479 · FIPS 20125

Relatively Low
FEMA risk rating · RATING
Tornado
dominant hazard
$27M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Montgomery $27M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 73.38/100
national median ~50 near the national middle (73rd percentile)
Social vulnerabilityRelatively High 60.56/100
national median ~50 near the national middle (61st percentile)
Community resilienceRelatively Moderate 51.94/100
national median ~50 near the national middle (52nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Montgomery

The National Flood Insurance Program has paid 310 flood-insurance claims totaling $5.7M in Montgomery since 1978. The costliest year was 2007 ($3.8M paid).

Flood-insurance dollars paid by year of loss

1978: $49,950 paid 1979: $0 paid 1984: $6,783 paid 1985: $0 paid 1986: $78,971 paid 1988: $961 paid 1989: $268,012 paid 1990: $1,934 paid 1992: $435,267 paid 1993: $286,609 paid 1994: $16,638 paid 1995: $874 paid 1998: $19,233 paid 1999: $5,351 paid 2002: $13,552 paid 2007: $3,805,033 paid 2008: $66,662 paid 2009: $36,422 paid 2010: $7,162 paid 2011: $0 paid 2012: $86,147 paid 2013: $2,590 paid 2014: $175,151 paid 2016: $1,361 paid 2017: $18,618 paid 2018: $189,720 paid 2019: $100,423 paid 2025: $0 paid 2007 · $3.8M 1978 2025
$5.7M
total paid
$18,301
average claim
$300K
largest single claim
74%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Montgomery, KS and where it ranks among U.S. counties. It is not a verdict on whether Montgomery is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.