Property Atlas

County hazard profile

Montgomery, PA

Pennsylvania · pop. 856,020 · FIPS 42091

Relatively High
FEMA risk rating · RATING
Winter Weather
dominant hazard
$297M
modeled expected annual loss/yr

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

among the highest nationally

national median $15M/yr Montgomery $297M

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 High 96.82/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 19.82/100
national median ~50 among the lowest nationally
Community resilienceVery High 92.75/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Montgomery

The National Flood Insurance Program has paid 6,188 flood-insurance claims totaling $185.2M in Montgomery since 1978. The costliest year was 2021 ($52.4M paid).

Flood-insurance dollars paid by year of loss

1978: $332,580 paid 1979: $2,413,471 paid 1980: $256,940 paid 1981: $1,337 paid 1982: $525,747 paid 1983: $385,224 paid 1984: $1,636,207 paid 1985: $154,775 paid 1986: $7,243 paid 1987: $67,488 paid 1988: $57,198 paid 1989: $608,998 paid 1990: $25,754 paid 1991: $198,127 paid 1992: $22,908 paid 1993: $1,440,113 paid 1994: $459,030 paid 1995: $43,116 paid 1996: $8,315,374 paid 1997: $21,271 paid 1998: $17,578 paid 1999: $23,716,354 paid 2000: $112,342 paid 2001: $22,112,528 paid 2002: $6,840 paid 2003: $435,116 paid 2004: $6,969,613 paid 2005: $2,062,902 paid 2006: $6,296,703 paid 2007: $646,769 paid 2008: $40,297 paid 2009: $6,462,870 paid 2010: $2,210,266 paid 2011: $25,392,363 paid 2012: $64,739 paid 2013: $146,782 paid 2014: $3,444,669 paid 2015: $334,524 paid 2016: $8,343 paid 2017: $25,819 paid 2018: $2,060,765 paid 2019: $2,766,283 paid 2020: $9,794,539 paid 2021: $52,440,004 paid 2022: $16,923 paid 2023: $346,978 paid 2024: $194,668 paid 2025: $97,985 paid 2026: $0 paid 2021 · $52.4M 1978 2026
$185.2M
total paid
$29,929
average claim
$1.0M
largest single claim
62%
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, PA 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.