Photo: Nyttend · Public domainOn FEMA’s figures, Montgomery Township faces less hazard damage per building than 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Montgomery Township gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns, #334 of 993 in Ohio. Most of that expected damage is river and rain flooding (69%), then tornadoes (11%). Flood insurance has paid 5 claims here since 1981.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Montgomery Township 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
Tornadoes
Hail
Strong wind
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.
What’s behind Montgomery Township’s grade
River and rain flooding is 69% of the building damage FEMA expects in Montgomery Township, and Montgomery Township’s rate of river and rain flooding damage is lower than 77% of U.S. census tracts. Ice storms add 4%, at a rate in the top 8% of U.S. census tracts.
A #334 of 993 in Ohio; lower expected damage per building than 87% of U.S. towns (21,298).
Montgomery Township’s residents live in 7 census tracts; FEMA’s figures are combined by where they live.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Montgomery Township has less expected damage per building than 66% of Ohio towns.
In dollars, FEMA expects about $703K a year in losses across Montgomery Township: $587K to buildings, the rest to people and crops.
Does Montgomery Township flood? Rarely: 5 flood claims since 1981
Every paid claim on a federal flood insurance policy in Montgomery Township, from FEMA’s records: 5.1 per 1,000 homes, more than 61% of the 13,809 U.S. towns with a flood insurance record.
Montgomery Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ashland County.The storms Montgomery Township remembers
None of the 8 disasters declared for Ashland County shows FEMA aid or repair money reaching Montgomery Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19872 flood claims paidNo declaration for the county that year
- 20092 flood claims paidNo declaration for the county that year
- 19811 flood claims paidNo declaration for the county that year
Ashland County has had 8 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Montgomery Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Montgomery Township archive →Montgomery Township and its neighbors
Montgomery Township is 4th of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Milton Township | A+less damage than 95% | river and rain flooding | 8 |
| Orange Township | Aless damage than 95% | river and rain flooding | — |
| Perry Township | Aless damage than 93% | river and rain flooding | — |
| Montgomery Township | Aless damage than 87% | river and rain flooding | 5 |
| Ashland | A−less damage than 84% | river and rain flooding | 15 |
| Vermillion Township | A−less damage than 77% | river and rain flooding | 4 |
| Nankin | — | 421 residents; we grade 1,000+ | |
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 Township 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.
- 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Township
Is Montgomery Township at risk for natural disasters?
On FEMA’s National Risk Index, Montgomery Township has lower expected damage per building than 87% of U.S. towns: A for hazard risk, #334 of 993 in Ohio. Most of the expected damage is river and rain flooding (69%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Montgomery Township flood?
Flood insurance has paid 5 claims in Montgomery Township since 1981, $41K in all, or 5.1 per 1,000 homes, more than 61% of U.S. towns with a flood insurance record.
Is Montgomery Township 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 Ashland 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 Township?
FEMA’s Community Rating System list shows no discount for Montgomery Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Montgomery Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Montgomery Township’s rate for it is lower than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Montgomery Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Montgomery Township’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.