Property Atlas

County hazard profile

Montgomery, KY

Kentucky · pop. 28,088 · FIPS 21173

Very Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$10M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Montgomery $10M

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 indexVery Low 34.32/100
national median ~50 lower than most counties (34th percentile)
Social vulnerabilityRelatively Moderate 47.87/100
national median ~50 near the national middle (48th percentile)
Community resilienceRelatively Moderate 50.35/100
national median ~50 near the national middle (50th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Montgomery

The National Flood Insurance Program has paid 75 flood-insurance claims totaling $1.9M in Montgomery since 1989. The costliest year was 2010 ($607K paid).

Flood-insurance dollars paid by year of loss

1989: $454 paid 1996: $48,015 paid 1997: $27,439 paid 1998: $20,848 paid 2001: $80,242 paid 2002: $173,946 paid 2003: $134,014 paid 2004: $2,053 paid 2006: $220,772 paid 2008: $20,473 paid 2009: $74,211 paid 2010: $607,212 paid 2014: $1,251 paid 2015: $54,144 paid 2018: $285,140 paid 2020: $14,397 paid 2021: $53,108 paid 2022: $35,028 paid 2010 · $607K 1989 2022
$1.9M
total paid
$24,703
average claim
$233K
largest single claim
69%
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, KY 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.