How much flood risk does Montgomery County actually carry?
Montgomery County lands at the 42.8th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Montgomery County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Montgomery County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 16.8% of them do — 22 active policies against 131 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Montgomery County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Montgomery County compares nationally
Montgomery County sits at rank 1858 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1218 of 3144 by population (1 is biggest). Montgomery County, Indiana covers 504.627 square miles and counts roughly 38,633 residents.
What to do next if you own or are buying in Montgomery County
Across all of Montgomery County's 15,671 residential structures, 32 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Montgomery County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.