Property Atlas

County hazard profile

Montgomery, TN

Tennessee · pop. 220,041 · FIPS 47125

Relatively Moderate
FEMA risk rating · RATING
Earthquake
dominant hazard
$78M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Montgomery $78M

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 Moderate 87.37/100
national median ~50 higher than 87% of counties
Social vulnerabilityRelatively Low 20.52/100
national median ~50 among the lowest nationally
Community resilienceRelatively Low 32.09/100
national median ~50 lower than most counties (32nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Montgomery

The National Flood Insurance Program has paid 313 flood-insurance claims totaling $11.0M in Montgomery since 1978. The costliest year was 2010 ($6.8M paid).

Flood-insurance dollars paid by year of loss

1978: $65,438 paid 1979: $129,353 paid 1981: $19,290 paid 1982: $16,994 paid 1983: $12,111 paid 1984: $61,501 paid 1990: $4,000 paid 1996: $5,602 paid 1997: $16,164 paid 1998: $83,497 paid 2001: $33,771 paid 2002: $16,350 paid 2003: $151 paid 2005: $0 paid 2007: $0 paid 2009: $110,394 paid 2010: $6,772,511 paid 2011: $85,307 paid 2012: $11,677 paid 2013: $213,042 paid 2014: $42,214 paid 2015: $3,983 paid 2016: $107,158 paid 2017: $45,376 paid 2018: $33,587 paid 2019: $4,433 paid 2020: $23,163 paid 2021: $16,627 paid 2022: $26,878 paid 2024: $64,156 paid 2025: $2,981,375 paid 2010 · $6.8M 1978 2025
$11.0M
total paid
$35,163
average claim
$500K
largest single claim
37%
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, TN 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.