3 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Montgomery County, Mississippi. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding from severe weather events dominates the flood history of Montgomery County. Over the past 30 years, NOAA records show 29 flash flood events alongside two hurricane impacts.
Heavy rainfall and severe storms frequently threaten the area, as demonstrated by severe thunderstorms that produced flash flooding on March 15, 2025, and a slow-moving storm system that caused significant flooding of homes and roads across the region on June 10, 2021. Additional heavy rain and storms also brought flash flooding on April 10, 2024, and September 5, 2021.
Homeowners, real estate agents, and journalists should pay the closest attention to properties located in known flash flood-prone areas and low-lying zones, where sudden, heavy precipitation routinely overwhelms local drainage and creates hazardous water accumulations.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
20 NOAA storm reports from Montgomery County describe what happened, in the words of the forecasters who covered it. Read the Mississippi flood stories →
21 federal disaster declarations since 1973, 3 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Mar 14, 2025 |
| Severe Storms, Straight-line Winds, And Tornadoes | Mar 24, 2023 |
| Hurricane Ida | Aug 28, 2021 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Apr 12, 2020 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Feb 22, 2019 |
| Severe Storms, Tornadoes, Straight-line Winds, And Flooding | Apr 30, 2017 |
| Severe Storms, Tornadoes, And Flooding | Apr 28, 2014 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
31 since 1996: 29 flash floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Mar 15, 2025 | $5,000 |
| Flash Flood | Apr 10, 2024 | $1,000 |
| Flash Flood | Jun 10, 2021 | $15,000 |
| Flash Flood | Sep 5, 2021 | $10,000 |
| Flash Flood | Feb 18, 2020 | $5,000 |
| Flash Flood | Feb 10, 2020 | $1,000 |
| Flash Flood | Feb 22, 2019 | $20,000 |
| Flash Flood | Feb 20, 2019 | $3,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Mar 15, 2025. Isolated severe thunderstorms developed across portions of Mississippi in the overnight hours of March 14th. Coverage of severe storms increased into the morning of the 15th before a squall line developed and moved across the area.
Flash Flood · Apr 10, 2024. A line of severe thunderstorms produced significant wind damage, heavy rain, hail, and a tornado as it crossed from Northeast Louisiana into Mississippi during the evening of April 9th. Subsequent heavy rain and storms continued into the daytime of April 10th.
Flash Flood · Jun 10, 2021. A slow moving storm system over the central United States produced another few rounds of thunderstorms with severe weather and flooding rains. Significant flooding occurred over portions of central and northern Mississippi, with many homes and roads flooded across the region.
Flash Flood · Sep 5, 2021. A cold front moved south into Mississippi, with thunderstorms along the front producing heavy rain and some flash flooding.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Montgomery County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.