Photo: Nyttend · Public domainOn FEMA’s figures, Montgomery Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Montgomery Township gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 8 claims here since 1987.
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
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 94% of the building damage FEMA expects in Montgomery Township, and Montgomery Township’s rate of river and rain flooding damage is higher than 75% of U.S. census tracts.
B− higher expected damage per building than 52% of U.S. towns (21,298).
All of Montgomery Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $457K a year in losses across Montgomery Township: $402K to buildings, the rest to people and crops.
Does Montgomery Township flood? Rarely: 8 flood claims since 1987
Every paid claim on a federal flood insurance policy in Montgomery Township, from FEMA’s records: 13.0 per 1,000 homes, more than 78% 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: Indiana County.The storms Montgomery Township remembers
None of the 15 disasters declared for Indiana County shows FEMA aid or repair money reaching Montgomery Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19965 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Indiana County
- 19871 flood claims paidNo declaration for the county that year
- 20041 flood claims paidThe year of Tropical Depression Ivan, declared for Indiana County
Indiana County has had 15 natural disasters declared by the President since 1953, most often floods, 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 2nd of the 3 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 |
|---|---|---|---|
| Green Township | A−less damage than 84% | river and rain flooding | 8 |
| Montgomery Township | B−more damage than 52% | river and rain flooding | 8 |
| Burnside Township | B−more damage than 53% | river and rain flooding | 24 |
| Grant Township | — | 727 residents; we grade 1,000+ | |
| Banks Township | — | not graded yet | |
| Cherry Tree | — | 215 residents; we grade 1,000+ | |
| Glen Campbell | — | 166 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.
- 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 higher expected damage per building than 52% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (94%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Montgomery Township flood?
Flood insurance has paid 8 claims in Montgomery Township since 1987, $25K in all, or 13.0 per 1,000 homes, more than 78% 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 Indiana County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.5% 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 (94%), and Montgomery Township’s rate for it is higher than 75% 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.