Property Atlas

County hazard profile

Montgomery, TX

Texas · pop. 620,016 · FIPS 48339

Relatively High
FEMA risk rating · RATING
Lightning
dominant hazard
$222M
modeled expected annual loss/yr

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

near the national middle (69th percentile)

national median $15M/yr Montgomery $222M

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 95.74/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 23.63/100
national median ~50 among the lowest nationally
Community resilienceRelatively Low 32.95/100
national median ~50 lower than most counties (33rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Montgomery

The National Flood Insurance Program has paid 13,010 flood-insurance claims totaling $632.4M in Montgomery since 1978. The costliest year was 2017 ($248.9M paid).

Flood-insurance dollars paid by year of loss

1978: $939,831 paid 1979: $11,670,518 paid 1980: $30,086 paid 1981: $355,720 paid 1982: $255,637 paid 1983: $4,821,832 paid 1984: $276,830 paid 1985: $1,490,998 paid 1986: $535,604 paid 1987: $1,245,694 paid 1988: $5,423 paid 1989: $6,503,994 paid 1990: $59,944 paid 1991: $166,175 paid 1992: $182,634 paid 1993: $836,042 paid 1994: $57,903,737 paid 1995: $371,762 paid 1996: $53,553 paid 1997: $549,577 paid 1998: $23,889,940 paid 1999: $10,698 paid 2000: $34,925 paid 2001: $16,587,230 paid 2002: $5,020,741 paid 2003: $1,176,267 paid 2004: $885,650 paid 2005: $218,091 paid 2006: $2,953,529 paid 2007: $313,355 paid 2008: $12,404,298 paid 2009: $3,415,924 paid 2010: $13,767 paid 2012: $3,921,017 paid 2013: $1,188 paid 2014: $1,244,160 paid 2015: $2,196,676 paid 2016: $91,385,482 paid 2017: $248,890,793 paid 2018: $960,597 paid 2019: $90,244,303 paid 2020: $88,930 paid 2021: $465,016 paid 2022: $0 paid 2023: $1,010,336 paid 2024: $36,138,571 paid 2025: $685,721 paid 2026: $15,514 paid 2017 · $248.9M 1978 2026
$632.4M
total paid
$48,611
average claim
$700K
largest single claim
40%
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, TX 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.