Property Atlas

County hazard profile

Montgomery, NY

New York · pop. 49,489 · FIPS 36057

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$20M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Montgomery $20M

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 65.17/100
national median ~50 near the national middle (65th percentile)
Social vulnerabilityRelatively High 69.5/100
national median ~50 near the national middle (70th percentile)
Community resilienceRelatively High 71.37/100
national median ~50 near the national middle (71st percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Montgomery

The National Flood Insurance Program has paid 288 flood-insurance claims totaling $8.9M in Montgomery since 1979. The costliest year was 2006 ($3.5M paid).

Flood-insurance dollars paid by year of loss

1979: $8,574 paid 1980: $24,851 paid 1981: $125,478 paid 1982: $3,835 paid 1983: $0 paid 1985: $0 paid 1986: $842 paid 1987: $23,536 paid 1990: $0 paid 1992: $0 paid 1993: $110 paid 1995: $0 paid 1996: $136,357 paid 1999: $13,400 paid 2001: $0 paid 2003: $3,202 paid 2005: $69,341 paid 2006: $3,496,467 paid 2007: $211,698 paid 2008: $1,067 paid 2010: $62,149 paid 2011: $2,937,336 paid 2013: $1,615,174 paid 2016: $0 paid 2018: $0 paid 2019: $36,017 paid 2021: $98,960 paid 2006 · $3.5M 1979 2021
$8.9M
total paid
$30,793
average claim
$1.0M
largest single claim
61%
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, NY 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.