Universalist Church Historic District · Photo: Ed! (Photography) · CC BY-SA 3.0Less hazard damage per building is expected in Montgomery than in 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Montgomery gets an A for hazard risk: lower expected damage per building than 88% of U.S. towns, #302 of 993 in Ohio. Most of that expected damage is river and rain flooding (72%), then tornadoes (20%). Flood insurance has paid 7 claims here since 1979.
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 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
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’s grade
River and rain flooding is 72% of the building damage FEMA expects in Montgomery, and Montgomery’s rate of river and rain flooding damage is lower than 76% of U.S. census tracts. Next is tornadoes at 20% (higher than 88% of U.S. census tracts).
A #302 of 993 in Ohio; lower expected damage per building than 88% of U.S. towns (21,298).
Montgomery’s residents live in 6 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 has less expected damage per building than 70% of Ohio towns.
In dollars, FEMA expects about $2.9M a year in losses across Montgomery: $2.0M to buildings, the rest to people and crops.
Does Montgomery flood? Rarely: 7 flood claims since 1979
Every paid claim on a federal flood insurance policy in Montgomery, from FEMA’s records: 1.7 per 1,000 homes, fewer than 66% of the 13,809 U.S. towns with a flood insurance record.
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: Hamilton County.3 federal disasters brought FEMA money to Montgomery
Disasters that paid out in Montgomery itself (aid to households or repair grants to the City of Montgomery), newest first, with that year’s flood claims.
- 2008Severe Wind Storm Associated with Tropical Depression Ike$144K to the City of Montgomery for repairs
- 2004Snow$23K to the City of Montgomery for repairs
- 2001Severe Storms and Flooding$66K to the City of Montgomery for repairs
Hamilton County has had 16 natural disasters declared by the President since 1953, most often severe storms, then floods. 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
Montgomery is 4th of the 7 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 |
|---|---|---|---|
| Blue Ash | A+less damage than 97% | river and rain flooding | 3 |
| Kenwood | Aless damage than 95% | river and rain flooding | 3 |
| Sycamore Township | Aless damage than 88% | river and rain flooding | 6 |
| Montgomery | Aless damage than 88% | river and rain flooding | 7 |
| Symmes Township | B+less damage than 72% | river and rain flooding | 30 |
| Sixteen Mile Stand | B+less damage than 72% | river and rain flooding | 1 |
| The Village of Indian Hill | Bless damage than 64% | river and rain flooding | — |
| Brecon | — | 860 residents; we grade 1,000+ | |
| Concorde Hills | — | 762 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 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.
- 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 at risk for natural disasters?
On FEMA’s National Risk Index, Montgomery has lower expected damage per building than 88% of U.S. towns: A for hazard risk, #302 of 993 in Ohio. Most of the expected damage is river and rain flooding (72%) and tornadoes (20%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Montgomery flood?
Flood insurance has paid 7 claims in Montgomery since 1979, $194K in all, or 1.7 per 1,000 homes, fewer than 66% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
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 Hamilton County, 24% 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 Wind Storm Associated with Tropical Depression Ike (2008): $144K to the City of Montgomery for repairs.
Is Montgomery at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Montgomery’s rate for it is lower than 76% of U.S. census tracts.
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.