Enter any address in Montgomery County, Georgia to see its FEMA flood zone
Tropical storms and associated flooding are the dominant flood character in Montgomery County. Over the past 30 years, NOAA Storm Events data shows 16 tropical storm events, 6 flood events, 4 flash flood events, and 3 hurricane events. For example, Hurricane Idalia brought tropical storm-force winds and 3 to 6 inches of rain to the area in August 2023, causing damage to trees and powerlines. In August 2020, localized areas experienced flash flooding from slow-moving thunderstorms producing 2.5 to 5 inches of rain.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced 12 claims with an average payout of $17,260 and an average water depth of 2.6 feet. Properties in Zone UNKNOWN have had 8 claims with an average payout of $13,588 and an average water depth of 12.4 feet. Properties in Zone X_UNSHADED have had 4 claims with an average payout of $3,876 and an average water depth of 10.0 feet. Homeowners in areas designated as Zone A or Zone UNKNOWN, and those without a Base Flood Elevation (BFE), should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
14 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Montgomery County, Georgia has recorded 29 flood-related events since 1996 according to NOAA's Storm Events Database, including 4 flash floods and 6 river or area floods. The county has received 21 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1966–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 22, 2026 |
| Hurricane Helene | Tropical Storm | Sep 24, 2024 |
| Hurricane Debby | Tropical Storm | Aug 4, 2024 |
| Hurricane Idalia | Hurricane | Aug 30, 2023 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Michael | Hurricane | Oct 9, 2018 |
| Hurricane Irma | Hurricane | Sep 7, 2017 |
| Severe Storms And Flooding | Severe Storm | Dec 22, 2015 |
| Severe Storms, Flooding, Tornadoes, And Straight-line Winds | Severe Storm | Mar 26, 2009 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Hurricane (Typhoon) | Sep 27, 2024 | — |
| Tropical Storm | Aug 30, 2023 | 30.00K |
| Tropical Storm | Aug 30, 2023 | 20.00K |
| Flash Flood | Aug 20, 2020 | 0.00K |
| Tropical Storm | Oct 10, 2018 | 0.00K |
| Flash Flood | Aug 25, 2017 | 0.00K |
| Tropical Storm | Sep 11, 2017 | 50.00K |
| Tropical Storm | Oct 7, 2016 | 1.00K |
| Tropical Storm | Sep 2, 2016 | — |
| Tropical Storm | Sep 4, 2011 | 0.00K |
Hurricane (Typhoon) — Sep 27, 2024
Hurricane Helene made landfall as a Category 4 hurricane in the Big Bend region of Florida at 11 PM EDT. Helene moved quickly inland bringing wind gusts between 50 and 100 mph to portions of east and central Georgia. Widespread rainfall totals between 6 and 14 inches were observed in association with Helene across north and central Georgia. The highest rainfall amounts were primarily observed i...
Tropical Storm — Aug 30, 2023
Hurricane Idalia made landfall in the Big Bend region of Florida as a category 3 hurricane. As Idalia moved inland to the northeast, it brought tropical storm-force winds and heavy rain to much of south Georgia, including far southeast counties of NWS Peachtree City CWFA (Telfair to Toombs county) where winds gusted between 40-50 mph and 3 to 6 inches of rain occurred. Damage to trees and power...
Flash Flood — Aug 20, 2020
A deepening upper-level trough along with a moist and moderately unstable air mass resulted in scattered strong to severe thunderstorms each afternoon and evening, mainly along a stationary frontal boundary across north Georgia. Slow-moving and training storms produced 2.5 to 5 inches of rain in localized areas, producing flash flooding during the evening of August 20th.
Tropical Storm — Oct 10, 2018
Hurricane Michael made landfall along the Florida panhandle at Mexico beach (just southeast of Panama City) on the afternoon of October 10, 2018 as a high-end Category 4 hurricane (max winds of 155 MPH). Michael then moved rapidly inland, causing widespread wind damage along its path as it swept northeast across south and central Georgia. Hurricane Michael was the first major hurricane, categor...
Flash Flood — Aug 25, 2017
Scattered showers and thunderstorms riding a stationary front across central GA led to isolated flash flooding.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Montgomery County, Georgia:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Montgomery County, Georgia that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.