Skip to content
Risk: Very Low

Montgomery County, MO Environment & Hazard Risk

Very Low natural hazard risk, led by heat wave. 370 storm events since 1996.

Expected yearly loss
$9.72M
Very Low nationally
Storm events since 1996
370
Most often hail
Flood insurance policies
5
0.1% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 38.3 of 100

Social vulnerability

Relatively High

Score 67.9 of 100

Community resilience

Relatively Moderate

Score 58.0 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $4.99B · Agriculture value exposed: $121M · Risk-adjusted yearly loss: $12.52M

Risk by hazard

  • Heat waveRelatively Moderate$1.94M/yr expected annual loss, about 11 events a year
  • LandslideRelatively Low$22.15K/yr expected annual loss, about once every 3 years
  • EarthquakeRelatively Low$606K/yr expected annual loss, about once every 378 years
  • HailRelatively Low$332K/yr expected annual loss, about 4.8 events a year
  • DroughtRelatively Low$201K/yr expected annual loss, about 6.9 events a year
  • Ice stormRelatively Low$94.73K/yr expected annual loss, about 1.1 events a year
  • WildfireVery Low$27.17K/yr expected annual loss, about once every 1,753 years
  • LightningRelatively Low$137K/yr expected annual loss, about 50 events a year
  • Cold waveRelatively Low$552K/yr expected annual loss, about 2.3 events a year
  • Strong windRelatively Low$267K/yr expected annual loss, about 4.8 events a year
  • TornadoRelatively Low$484K/yr expected annual loss, about once every 3 years
  • Winter weatherRelatively Low$20.29K/yr expected annual loss, about 9.3 events a year
  • HurricaneVery Low$5,330/yr expected annual loss, about once every 144 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
5 of 7,164 (0.1%)
Homes in high-risk flood zones
123
Insured in high-risk zones
3 (2%)
Flood claims since 1978
126
Claims paid since 1978
$1.29M

Flood claims paid per year

Flood claims paid per year in Montgomery County
  • Midwest Flooding$884K · 76 claims
  • Flooding$135K · 29 claims
  • Hurricane Ike$25.7K · 1 claim
  • March storm$17.85K · 1 claim
  • Mid-spring storms$7,583 · 1 claim

Storm history

Since 1996: 370 events, 0 deaths, $1.24M in damage

  • Hail101
  • Thunderstorm Wind86
  • Winter Storm36
  • Heat30
  • Flash Flood28
  • Excessive Heat26
  • Tornado17
  • Flood9
  • Heavy Snow8
  • Drought7

Events per year

Storm events per year in Montgomery County
10
16
7
12
36
15
13
10
13
11
6
5
5
4
6
9
13
9
5
1

25 tornadoes on record (EF0 8, EF1 2, F0 5, F1 3, F2 6, F3 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Heat08/28/2000

    Montgomery

    3 injured

    What happened

    A late summer Heat Wave hit the region as temperatures rose into the middle to upper 90s with the heat Index ranging from 105 to around 110 degrees. Many area schools either closed or reduced class time to a half day because of the heat.

  • TornadoF3, 4 mi path, 300 yd wide03/13/2006

    Jonesburg, Montgomery County

    1 injured, $800K damage

    What happened

    The supercell thunderstorm that produced tornadoes in Osage, Callaway, and Montgomery counties produced another tornado in Montgomery County that formed in Jonesburg about Midnight CST March 13, 2006. Damage was first found on Highway Y where a home suffered roof damage. On West Boonslick Road a porta potty business suffered roof damage in addition to having about 20 porta potties destroyed, a few of which were missing. A garbage bin was blown about 100 yards into a field and a mobile home just north of the business was blown onto its side and destroyed. Damage in this area was rated F1 and was 100 yards wide. The tornado crossed Interstate 70 at mile marker 83 where it pushed a tractor-trailer off the highway. The tornado then produced damage as it crossed Highway E. Several homes suffered roof damage and several garage and barn type structures were destroyed. The tornado continued northeast and caused extensive damage as it crossed Oak Hall Road (County Road 250). The CC Pallet Company was destroyed and two mobile homes were destroyed. A 73 year old woman suffered broken bones and a back injury in one of the mobile homes. The tornado at this location was 200 yards wide and...

  • Flash Flood06/12/2002

    North Portion, Montgomery County

    1 injured

    What happened

    Heavy rain flooded numerous roads across the north part of Montgomery County. One car was swept off of Route W four miles south of Vandalia. A woman suffered minor injuries.

  • Heat07/26/2002

    Montgomery

    1 injured

    What happened

    High temperatures across Central, Eastern and Southeast Missouri rose to the middle to upper 90's with Heat Indices from 105 to near 115 degrees. There was a one day break in the heat as a weak cold front dropped high temperatures into the upper 80's on July29. However temperatures quickly rebounded and remained high into August. About 100 people had to be treated for heat related illnesses at the St. Louis Cardinals baseball game on July 27.

  • Heat08/15/2003

    Montgomery

    1 injured

    What happened

    A late summer heat wave hit in mid August, just as many area schools were starting the new school year. As a result, most schools reduced their schedule to a half day while a few closed completely. There were two deaths reported by the State Health Department that were heat related. One occurred in St. Louis County with the other in the City of St. Louis. High temperatures ranged from the mid 90's to around 100 degrees. Columbia had five straight days of 100 degrees or higher, hitting 105 degrees on August 21st. St. Louis had a high of 104 degrees which also occurred on the 21st.

  • Thunderstorm Wind56 kt wind06/14/2018

    Danville, Montgomery County

    1 injured

    What happened

    Thunderstorm winds blew over a semi on eastbound Interstate 70 near mile marker 172. The driver sustained minor injuries.

Latest storm reports

Newest first

  • Excessive Heat07/27/2026

    Montgomery

  • Winter Storm11/29/2025

    Montgomery

  • Excessive Heat08/15/2025

    Montgomery

  • Hail2" hail05/16/2025

    Liege, Montgomery County

  • Thunderstorm Wind56 kt wind04/20/2025

    Wellsville, Montgomery County

  • Winter Storm01/05/2025

    Montgomery

  • TornadoEF0, 1.87 mi path, 25 yd wide11/05/2024

    Liege, Montgomery County

  • Thunderstorm Wind64 kt wind06/25/2024

    Wellsville, Montgomery County

Drinking water

13 community water systems serve about 17,545 people. Violations since 2021.

4 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 3 systems had a violation of any kind still open at last report.

  • Monroe County Pwsd 2Serves 6,700 · Purchased surface water · Local governmentNo health violations+6 monitoring or reporting
  • Montgomery Co Pwsd 1Serves 3,850 · Groundwater · Local government1 health violation+4 monitoring or reporting
  • Montgomery City PwsServes 2,811 · Groundwater · Local governmentNo health violations
  • Wellsville PwsServes 1,210 · Purchased surface water · Local governmentNo health violations+7 monitoring or reporting
  • New Florence PwsServes 769 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
  • Jonesburg PwsServes 768 · Groundwater · Local governmentNo health violations
  • Bellflower PwsServes 350 · Groundwater · Local government1 health violation+4 monitoring or reporting
  • High Hill PwsServes 300 · Groundwater · Local government1 health violation+1 monitoring or reporting

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Climate

1991-2020 normals at Warrenton 1 N, 18 mi from the county center

Summer highs peak around 88°F in Jul and winter lows bottom out near 20°F in Jan. About 41.5 inches of rain falls in a typical year.

MonthHighLowRain
Jan39°F20°F2.35 in
Feb44°F23°F2.18 in
Mar55°F33°F2.64 in
Apr66°F43°F4.63 in
May75°F53°F5.12 in
Jun84°F63°F4.51 in
Jul88°F66°F3.93 in
Aug87°F65°F3.54 in
Sep80°F56°F3.48 in
Oct68°F45°F3.23 in
Nov55°F34°F3.46 in
Dec43°F25°F2.40 in
Year55°F average41.5 in

Pollution sites

0 Superfund sites and 4 toxic release facilities in Montgomery County

Superfund sites

None in this county.

Toxic release facilities

Total: 797 lbs in 2024, 154 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk6 historic places

Frequently asked questions

How risky is Montgomery County for natural disasters?
FEMA rates Montgomery County very low for overall natural hazard risk, with expected losses of $9.72M a year. The highest-rated hazards are heat wave (relatively moderate), landslide (relatively low), earthquake (relatively low).
What storms are most common in Montgomery County?
Since 1996, NOAA recorded 370 storm events affecting Montgomery County, most often hail (101), thunderstorm wind (86), winter storm (36).
How many tornadoes have hit Montgomery County?
25 tornadoes have been recorded in Montgomery County since 1950, including 1 rated F3/EF3 or stronger.
How many homes in Montgomery County have flood insurance?
5 residential flood insurance policies are in force in Montgomery County, covering about 0.1% of homes. The program has paid $1.29M on 126 claims here since 1978.
What is the weather like in Montgomery County?
At Warrenton 1 N, average highs reach 88°F in Jul and lows fall to 20°F in Jan, with 41.5 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.