Photo: John Phelan · CC BY 3.0Storms, floods and disasters in Montgomery
Montgomery isn’t graded for hazard risk: Montgomery has 796 residents; we grade towns of 1,000 or more.
What Montgomery 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
Hurricanes
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.
Does Montgomery flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Montgomery. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Montgomery isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hampden County.8 federal disasters brought FEMA money to Montgomery
Disasters that paid out in Montgomery itself (aid to households or repair grants to the Town of Montgomery), newest first, with that year’s flood claims.
- 2013Severe Winter Storm, Snowstorm, and Flooding$6K to the Town of Montgomery for repairs
- 2011Severe Storm and Snowstorm$6K to the Town of Montgomery for repairs
- 2011Tropical Storm Irene$6K to the Town of Montgomery for repairs
- 2011Severe Winter Storm and Snowstorm$5K to the Town of Montgomery for repairs
- 2008Severe Winter Storm and Flooding$38K to the Town of Montgomery for repairs
- 2007Severe Storms and Inland and Coastal Flooding$51K to the Town of Montgomery for repairs
Show all 8
- 2005Record And/or Near Record Snow$5K to the Town of Montgomery for repairs
- 2003Snow$5K to the Town of Montgomery for repairs
Hampden County has had 18 natural disasters declared by the President since 1953, most often winter storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Montgomery after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Montgomery archive →Montgomery and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Southampton | B+less damage than 70% | river and rain flooding | 5 |
| Russell | Cmore damage than 69% | river and rain flooding | 2 |
| Westfield | Dmore damage than 87% | river and rain flooding | 35 |
| Huntington | Dmore damage than 90% | river and rain flooding | 10 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Montgomery faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Montgomery
Is Montgomery 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 Hampden County, 26% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Montgomery?
FEMA’s Community Rating System list shows no discount for Montgomery’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 Montgomery?
By FEMA money that reached Montgomery, Severe Storms and Inland and Coastal Flooding (2007): $51K to the Town of Montgomery for repairs.
Storm stories
Memories, warnings and help from neighbors in Montgomery.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Montgomery’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.