Montgomery County, KS: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Montgomery County scores at the 70.5th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. 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 2.1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
19.4% 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: 65 policies against 336 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.6% 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 967 — 1 being the highest hazard nationally — and 1429 by population among all 3144 counties covered here, where 1 is the largest. About 30,459 people live in Montgomery County, Kansas, spread over 643.594 square miles.
Your street may differ from Montgomery County's average
85 of Montgomery County's 14,346 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.