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Montgomery, MD

Flood Risk Score: 8/100 · Rank #2988 of 3,277 counties

Montgomery County in Maryland has 8 FEMA disaster declarations on record covering 1971–2012, most recently Hurricane Sandy on Nov 20, 2012 (DR-4091). Its flood risk grade is A (Low risk), ranking #2988 of 3,277 U.S. counties, with 47 NFIP flood insurance claims totaling $319,759 in payouts. Flood risk is relatively low compared to the national average.

8
Risk Score
47
NFIP Claims
$319,759
Total Payouts
8
Disasters
$6,803
Avg Claim
47
Active Policies

FEMA Disaster Declarations in Montgomery County

The 8 most recent federally declared disasters affecting Montgomery County, MD (1971–2012). Total declarations on record: 8.

DeclaredIncident TypeTitleFEMA Disaster #
Nov 20, 2012HurricaneHurricane SandyDR-4091
Oct 28, 2012HurricaneHurricane SandyDR-3349
Aug 27, 2011HurricaneHurricane IreneDR-3335
Sep 13, 2005HurricaneHurricane Katrina EvacuationDR-3251
Sep 19, 2003HurricaneHurricane IsabelDR-1492
Oct 4, 1975FloodHeavy Rains & FloodingDR-489
Jun 23, 1972FloodTropical Storm AgnesDR-341
Aug 17, 1971FloodSevere Storms & FloodingDR-309

Score Breakdown

The composite score of 8 is calculated from four weighted factors. See our methodology for details.

Claims Density
40%
0
Disaster Frequency
25%
17
Claim Severity
20%
0
Year-over-Year Trend
15%
23

Other Counties in Maryland

CountyGradeScoreClaimsDisasters
StatewideA801
FrederickA91211
Prince George'sA9719
BaltimoreA7279
HowardA112911
GarrettA1126
View All Counties in Maryland

Frequently Asked Questions

How many FEMA disaster declarations does Montgomery County, MD have?

Montgomery County, MD has 8 federal disaster declarations on FEMA record (1971–2012). The 5 most recent are: Hurricane Sandy (declared Nov 20, 2012, DR-4091); Hurricane Sandy (declared Oct 28, 2012, DR-3349); Hurricane Irene (declared Aug 27, 2011, DR-3335); Hurricane Katrina Evacuation (declared Sep 13, 2005, DR-3251); Hurricane Isabel (declared Sep 19, 2003, DR-1492). Counts include flood, severe storm, hurricane, and coastal storm declarations from the OpenFEMA DisasterDeclarationsSummaries dataset.

What is the flood risk grade for Montgomery County, MD?

Montgomery County is graded A (composite score 8/100, low risk). It ranks #2988 of 3,277 U.S. counties for flood risk in our scoring model. The grade combines NFIP claims density (40%), disaster frequency (25%), claim severity (20%), and year-over-year trend (15%).

How many NFIP flood insurance claims have been filed in Montgomery County?

47 NFIP flood insurance claims have been filed in Montgomery County, MD, totaling $319,759 in payouts. The average claim is $6,803. Source: FEMA FimaNfipClaims v2 dataset.

Has Montgomery County, MD had any recent flood disasters?

Yes. The most recent FEMA declaration affecting Montgomery County was Hurricane Sandy on Nov 20, 2012 (DR-4091). The county has 8 declared disasters in the OpenFEMA record covering 1971–2012.

The this entity record above pulls directly from FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims. What follows is the per-entity context — how this entity sits in the broader U.S. flood risk, NFIP claims, and disaster declarations distribution and which underlying factors drive the headline numbers.

The methodology behind every numeric value on this page is publicly documented on the FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims portal and described in detail on this site’s methodology page. Refresh cadence varies by underlying series; the page surfaces the as-of date for each number so readers can trace any figure back to the source release.

For readers using this page as a decision input, the related-entity pages elsewhere on the site provide the comparison set. The most useful comparison for this entity is typically a peer within U.S. ZIPs, counties, and states with similar size, similar exposure, or similar geography — not the national-level summary alone.

Source: FEMA OpenFEMA datasets, 2026.