Natural disaster risk in Montgomery County, Indiana
Indiana · population 37,923 · FIPS 18107
Overall: very low risk
Montgomery County has a composite risk score of 41.0 out of 100 — higher than 41% of US counties. It ranks 50 of 92 in Indiana (1 = highest risk). Its highest-rated hazards are strong wind, winter weather, cold wave.
Drought now: No: no drought or dryness
No. On the U.S. Drought Monitor map valid 13 October 2026, no part of Montgomery County is in drought or abnormally dry (none of D0 to D4). That has been so for 18 weeks in a row.
Drought in Montgomery County: the last 52 weeks · droughtmonitor.unl.edu
The U.S. Drought Monitor is jointly produced by the National Drought Mitigation Center at the University of Nebraska-Lincoln, the United States Department of Agriculture, the National Oceanic and Atmospheric Administration and the National Aeronautics and Space Administration. Map courtesy of NDMC.
Risk, loss, vulnerability and resilience
| Measure | Rating and score |
|---|---|
| Overall risk Expected annual loss, adjusted for social vulnerability and community resilience. |
Very low 41 |
| Expected annual loss About $13.2 million a year, on average, across all 18 hazards. |
Very low 46 |
| Social vulnerability Higher means people may find it harder to prepare and recover. |
Relatively low 35.8 |
| Community resilience Higher means a stronger ability to prepare, adapt and recover. |
Relatively high 79.5 |
Risk by hazard
FEMA's risk rating for each of 18 natural hazards in Montgomery County, highest first. "Not applicable" means the hazard is not modelled here.
| Hazard | Risk rating and score |
|---|---|
| Strong wind | Relatively moderate 79 |
| Winter weather | Relatively moderate 75 |
| Cold wave | Relatively moderate 71 |
| Drought | Relatively moderate 71 |
| Hail | Relatively low 72 |
| Earthquake | Relatively low 70 |
| Heat wave | Relatively low 53 |
| Tornado | Relatively low 48 |
| Ice storm | Relatively low 46 |
| Inland (riverine) flooding | Relatively low 42 |
| Lightning | Relatively low 28 |
| Landslide | Very low 57 |
| Hurricane | Very low 31 |
| Wildfire | Very low 11 |
| Avalanche | Not applicable |
| Coastal flooding | Not applicable |
| Tsunami | Not applicable |
| Volcanic activity | Not applicable |
FEMA disaster declarations for Montgomery County
Federal declarations that designated Montgomery County, since 1 Jan 2024 (the period this site keeps from OpenFEMA). Older declarations are in FEMA's own dataset.
Yes. Montgomery County has been named in 2 FEMA declarations since 1 Jan 2024. The latest is EM-3641-IN (Severe Winter Storm), declared 24 Jan 2026.
| Declaration | Kind | Incident | Declared | Individual assistance here |
|---|---|---|---|---|
| EM-3641-IN | Emergency | Severe Winter Storm | 24 Jan 2026 | No |
| DR-4882-IN | Major disaster | Severe Storms, Straight-Line Winds, Tornadoes, and Flooding | 22 Jul 2025 | No |
All FEMA declarations in Indiana, with estimated apply-by dates · Open FEMA deadlines
This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). Dataset: Disaster Declarations Summaries - v2.
How to read these ratings
- Ratings run in five steps: very low, relatively low, relatively moderate, relatively high and very high. They compare a county with every other US county; they are not a measure of danger on their own.
- Scores run from 0 to 100 and are national percentiles. The bar shows the score: a score of 80 means a higher value than 80% of US counties.
- Overall risk combines the expected annual loss with social vulnerability and community resilience.
- Expected annual loss is the average yearly loss to buildings, people and agriculture the model expects from all 18 hazards.
- Social vulnerability describes how hard it may be for people to prepare for and recover from a disaster. Higher is worse.
- Community resilience describes a community's ability to prepare, adapt and recover. Higher is better.
- "Not applicable" means FEMA does not model that hazard there (for example, hurricanes far inland).
About this data
Source: FEMA National Risk Index, version 1.20, released December 2025, published by the Federal Emergency Management Agency (US public domain). About the National Risk Index. The index is a model of relative risk built from historical hazard records, what is exposed and community factors. It is not a forecast, it does not describe any single property, and it is not insurance or financial advice. For decisions about a specific address, check FEMA's flood maps and your local emergency management office.
Questions
What is the natural disaster risk in Montgomery County, Indiana?
FEMA's National Risk Index rates the overall risk in Montgomery County as very low, with a score of 41.0 out of 100 (higher than 41% of US counties). That is a comparison with other US counties, not a forecast.
What are the biggest natural hazards in Montgomery County?
The hazards rated highest for Montgomery County are strong wind (relatively moderate), winter weather (relatively moderate), cold wave (relatively moderate).
What is the flood risk in Montgomery County?
FEMA rates inland (river and rain) flooding risk in Montgomery County as relatively low. For a specific property, check the FEMA flood map and your local floodplain office.
Has Montgomery County had a FEMA disaster declaration?
Yes. Montgomery County has been named in 2 FEMA declarations since 1 Jan 2024. The latest is EM-3641-IN (Severe Winter Storm), declared 24 Jan 2026.
Is Montgomery County in a drought?
No. On the U.S. Drought Monitor map valid 13 October 2026, no part of Montgomery County is in drought or abnormally dry (none of D0 to D4). That has been so for 18 weeks in a row.
Every county in Indiana, ranked · All states · Disasters near me