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 every 1 years. 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.