Photo: Ser Amantio di Nicolao at English Wikipedia · CC BY-SA 3.0Storms, floods and disasters in Montross
Montross isn’t graded for hazard risk: Montross has 375 residents; we grade towns of 1,000 or more.
What Montross faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
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.
Does Montross flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Montross. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Montross isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Westmoreland County.1 federal disaster brought FEMA money to Montross
Disasters that paid out in Montross itself (aid to households or repair grants to the Town of Montross), newest first, with that year’s flood claims.
- 2003Hurricane Isabel137 households applied for aid$89K aid approved
Westmoreland County has had 20 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Montross after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Montross archive →Get ready for what Montross faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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 Montross
Is Montross 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 Westmoreland County, 37% of homes in mapped flood zones carry federal flood insurance, and 2.3% of all homes do.
How much is flood insurance in Montross?
FEMA’s Community Rating System list shows no discount for Montross’ 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 Montross?
By FEMA money that reached Montross, Hurricane Isabel (2003): 137 households applied for aid, $89K approved.
Storm stories
Memories, warnings and help from neighbors in Montross.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Montross’ 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.