Natural Disaster Risk in Montgomery Village
Maryland
Risk Summary for Montgomery Village
Montgomery Village scores 7.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Montgomery Village, Maryland
Montgomery Village, in Montgomery County, is a city of approximately 34,718 residents situated along the mid-Atlantic coast. Its humid subtropical climate brings warm summers, mild winters, and coastal storm exposure, and in particular tropical storm and nor'easter impacts. These conditions collectively define the natural hazard environment that Montgomery Village residents and property owners must navigate.
Montgomery Village's overall natural disaster risk is rated 7.9/10 (High) by FEMA's National Risk Index. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Secondary hazards include heat and wind.
Within Maryland, Montgomery Village's risk is, slightly above the 6.5/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Montgomery County identifies winter as the foremost hazard, followed by heat and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Montgomery Village's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Montgomery Village: Winter Weather preparedness
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
Local Factors for Montgomery Village
These city-level factors differentiate Montgomery Village from other communities in Montgomery County and provide geographic context for its hazard exposure.
Population
34,718
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.4/10
Coordinates
39.1795° N, 77.1970° W
Montgomery County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Montgomery Village
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Montgomery Village
Other cities in Maryland
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.