Montgomery County, IA Flood Zone & Flood Risk Data
Montgomery County, IA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Montgomery County scores at the 34.6th percentile for flood hazard, rated "Very Low", among the lowest flood hazard in the country. The hazard here is driven by inland rivers and flash flooding rather than the coast, FEMA's model puts a flood event here at about once a year. This describes the county, not any one street, FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Montgomery County
8.3% of the homes FEMA requires to carry flood insurance in Montgomery County, those inside the mapped Special Flood Hazard Area, actually have a policy in force: 75 policies against 909 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 1.3% of all residential structures in Montgomery County carry flood coverage voluntarily or otherwise, relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Montgomery County ranks
Among the 3144 US counties FEMA scores for flood hazard, Montgomery County ranks 2118, 1 being the highest hazard nationally, and 2399 by population among all 3144 counties covered here, where 1 is the largest. Montgomery County, Iowa is home to about 10,063 people across 424.097 square miles of land.
Checking a specific address in Montgomery County
78 of Montgomery County's 5,931 residential structures carry flood coverage of some kind, per FEMA's latest count, useful context, not a substitute for checking one parcel.
Where Montgomery County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.