Is Montgomery County, NY in a flood zone?
FEMA's National Risk Index puts Montgomery County's flood hazard at the 80.5th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 3 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
Out of 471 homes FEMA counts inside Montgomery County's mapped flood zone, 110 carry the flood policy federal law requires there — 23.4% compliance, short of full coverage. Across all residential structures in Montgomery County, not just the ones FEMA mandates, 0.8% 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 640 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1015 of 3144 by population (1 is biggest). Montgomery County, New York is home to about 49,648 people across 403.111 square miles of land.
What to do next if you own or are buying in Montgomery County
Across all of Montgomery County's 18,374 residential structures, 139 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.