Is Montgomery County, VA in a flood zone?
FEMA's National Risk Index puts Montgomery County's flood hazard at the 63.6th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.2 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
15% 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: 93 policies against 619 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Montgomery County, not just the ones FEMA mandates, 0.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Montgomery County against the rest of the country
Montgomery County sits at rank 1194 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 626 of 3144 by population (1 is biggest). Montgomery County, Virginia covers 386.848 square miles and counts roughly 98,998 residents.
Checking a specific address in Montgomery County
148 of Montgomery County's 28,449 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
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.