Enter any address in Montgomery County, New York to see its FEMA flood zone
Flash flooding from heavy rainfall events is the dominant flood character in Montgomery County. Recent events include localized flooding along State Route 5 on April 12, 2024, and widespread urban and poor drainage flooding on June 7, 2025, due to stalled frontal boundaries and heavy rainfall.
National Flood Insurance Program (NFIP) data indicates that properties in Zone A have experienced the most claims, with an average payout of $34,700 and an average water depth of 8.2 feet. Properties in Zone X and Zone X_SHADED also show significant claims with substantial average water depths. Residents in these zones, as well as those in Zone UNKNOWN and Zone X_UNSHADED, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
53 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Montgomery County, New York has recorded 149 flood-related events since 1996 according to NOAA's Storm Events Database, including 59 flash floods and 89 river or area floods. The county has received 26 federal disaster declarations, 3 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1987–2021)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Hurricane Henri | Hurricane | Aug 21, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Straight-line Winds, And Flooding | Severe Storm | Oct 31, 2019 |
| Severe Winter Storm And Snowstorm | Snowstorm | Mar 14, 2017 |
| Severe Storms And Flooding | Flood | Jun 26, 2013 |
| Hurricane Sandy | Hurricane | Oct 27, 2012 |
| Remnants Of Tropical Storm Lee | Severe Storm | Sep 7, 2011 |
| Hurricane Irene | Hurricane | Aug 26, 2011 |
| Severe Storms And Inland And Coastal Flooding | Severe Storm | Apr 14, 2007 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jun 7, 2025 | 1.00K |
| Flood | Apr 12, 2024 | 0.00K |
| Flood | Mar 7, 2024 | 0.00K |
| Flood | Jul 29, 2023 | 0.00K |
| Flood | Dec 18, 2023 | 3.00K |
| Flood | Jul 7, 2023 | 0.00K |
| Flood | May 1, 2023 | 0.00K |
| Flood | Feb 22, 2022 | 0.00K |
| Flood | Mar 19, 2022 | 0.00K |
| Flood | Feb 18, 2022 | 0.00K |
Flood — Jun 7, 2025
A frontal boundary stalled to the south of the ALY County Warning Area, in tandem with several mid- and upper-level disturbances generated widespread heavy rainfall and scattered thunderstorms across eastern New York on June 6 and 7. Prolonged, moderate to locally heavy downpours lead to widespread poor drainage and urban flooding with numerous roadways and residential roadways becoming inundat...
Flood — Apr 12, 2024
A low pressure system brought periods of rain, some heavy, to eastern New York on April 12, 2024 resulting in some minor flooding along State Route 5 in Montgomery County.
Flood — Mar 7, 2024
A coastal low pressure system brought a widespread rainfall to eastern New York during the early morning hours on March 7, 2024. Between 1 and 2 inches of rain fell across the area. This rain was enough to result in some localized areal flooding.
Flood — Jul 29, 2023
Showers and thunderstorms developed along a frontal boundary during the afternoon hours on July 29th across eastern New York. One lone thunderstorm tracked across the Mohawk Valley resulting in numerous reports of downed trees and powerlines as well as a couple of flood reports. Prior to the arrival of these thunderstorms, the combination of hot and humid conditions resulted in heat index value...
Flood — Dec 18, 2023
An area of low pressure tracked up the East Coast and intensified in the process as it brought widespread moderate to heavy rainfall across eastern New York on December 18, 2023. Rainfall totals were between 2 and 5 inches with the highest amounts across the eastern Catskills. This rain led to both areal and river flooding across the region. Some rivers didn't recede until December 22.||States ...
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, New York:
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, New York 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.