Montgomery County, MS flood risk explained
Flood hazard in Montgomery County sits at the 14.6th national percentile, among the lowest flood hazard in the country; 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. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
8.1% 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: 10 policies against 124 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% 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.
Montgomery County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Montgomery County ranks 2716 — 1 being the highest hazard nationally — and 2457 by population among all 3144 counties covered here, where 1 is the largest. Montgomery County, Mississippi is home to about 9,411 people across 406.981 square miles of land.
Checking a specific address in Montgomery County
10 of Montgomery County's 4,613 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.