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–Not graded
Natural hazards in Montour · FEMA

Storms, floods and disasters in Montour

Montour isn’t graded for hazard risk: Montour has 206 residents; we grade towns of 1,000 or more. Flood insurance has paid 4 claims here since 2005.

Flood claims
4
paid since 2005 · $17K
Disasters paid out here
4
of 18 declared for Tama County
By hazard

What Montour faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

River and rain flooding

80%of expected building damage
Well above average · higher than 85% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

8%of expected building damage
Well above average · higher than 86% of U.S. census tracts
Recorded about once every 4 years in the area

Strong wind

7%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Recorded about 6 times a year in the area
Smaller shares here
 Wildfire Hail Ice storms Winter storms Earthquakes Heat waves top 1% Lightning Hurricanes Cold waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 27% of Montour’s expected losses. Drought does little damage to buildings (0.0%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Montour flood? Rarely: 4 flood claims since 2005

Every paid claim on a federal flood insurance policy in Montour, from FEMA’s records.

Paid flood claims, by year
2005: 1 claim2006: 0 claims2007: 0 claims2008: 2 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 1 claim2025: 0 claims2026: 0 claims200520082024
20052026
4
paid claims since 2005
$17K
paid to owners
0
homes flooded more than once
$4K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Montour isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Tama County.
Disasters

4 federal disasters brought FEMA money to Montour

Disasters that paid out in Montour itself (aid to households or repair grants to the City of Montour), newest first, with that year’s flood claims.

  1. 2024Severe Storms, Tornadoes, and Flooding$209K to the City of Montour for repairs1 flood claim paid that year
  2. 2020Severe Storms22 households applied for aid$44K aid approved$22K to the City of Montour for repairs
  3. 2011Severe Storms, Straight-line Winds, and Flooding$3K to the City of Montour for repairs
  4. 2008Severe Storms, Tornadoes, and Flooding31 households applied for aid$38K aid approved$109K to the City of Montour for repairs2 flood claims paid that year
Disasters declared, by decade
Paid out in MontourTama County only

Tama County has had 18 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Montour after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Montour archive →
Be ready

Get ready for what Montour faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
High winds
  • Trim dead limbs over the house and driveway.
  • Tie down trash cans and outdoor furniture.
  • Stay clear of downed lines and call the utility.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Montour

Does Montour flood?

Flood insurance has paid 4 claims in Montour since 2005, $17K in all.

Is Montour in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Tama County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Montour?

FEMA’s Community Rating System list shows no discount for Montour’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Montour?

By FEMA money that reached Montour, Severe Storms, Tornadoes, and Flooding (2024): $209K to the City of Montour for repairs.

Storm stories

Memories, warnings and help from neighbors in Montour.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Montour’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.