Enter any address in Montgomery County, Virginia to see its FEMA flood zone
Flash flooding events have been the most frequent type of flood recorded in Montgomery County, VA over the last 30 years, with 71 occurrences. General flooding events have also occurred, resulting in one reported death. A notable period of heavy rainfall and flooding was observed on February 15, 2025, impacting the region due to atmospheric moisture pooling along a warm front.
National Flood Insurance Program (NFIP) claims data shows that Zone A, typically areas of higher flood risk, has had the most claims (96) with an average payout of $24,443 and an average water depth of 4.1 feet. Zone X areas also show significant claims, with Zone X having 20 claims and an average payout of $20,273, though with a higher average water depth of 5.2 feet. Homeowners in Zone A, as well as those in Zone X with higher average water depths, should pay close attention to their flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
41 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Montgomery County, Virginia has recorded 107 flood-related events since 1996 according to NOAA's Storm Events Database, including 71 flash floods and 35 river or area floods. The county has received 24 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 (1972–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 22, 2026 |
| Severe Winter Storms And Flooding | Severe Storm | Feb 10, 2025 |
| Post-tropical Cyclone Helene | Tropical Storm | Sep 25, 2024 |
| Tropical Storm Helene | Tropical Storm | Sep 25, 2024 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Tropical Storm Michael | Hurricane | Oct 9, 2018 |
| Hurricane Florence | Hurricane | Sep 13, 2018 |
| Hurricane Sandy | Hurricane | Oct 26, 2012 |
| Severe Storms And Straight-line Winds | Severe Storm | Jun 29, 2012 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 30, 2025 | 5.00K |
| Flash Flood | Jun 16, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 5.00K |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | Sep 30, 2024 | 0.00K |
| Flood | May 29, 2023 | 0.00K |
| Flash Flood | Sep 9, 2023 | 0.00K |
| Flash Flood | Aug 29, 2021 | 5.00K |
| Flash Flood | Sep 22, 2021 | 10.00K |
Flash Flood — Jul 30, 2025
Slow moving thunderstorms with rainfall rates as high as 5 inches per hour caused localized flooding in the City of Radford and neighboring Montgomery County. Heavy rain also caused flooding and a landslide in and around the Town of Rich Creek, VA.
Flash Flood — Feb 15, 2025
A deep upper level trough was observed exiting the southern Rockies during the morning of February 15th, with southwesterly windflow ahead of the trough allowing for a fetch of deep moisture from the western Gulf of America. This moisture pooled along a warm front situated across from Kentucky into southwest Virginia, where precipitable water values increased from 0.6 to 0.7 inches at 7 am that...
Flood — Feb 15, 2025
A deep upper level trough was observed exiting the southern Rockies during the morning of February 15th, with southwesterly windflow ahead of the trough allowing for a fetch of deep moisture from the western Gulf of America. This moisture pooled along a warm front situated across from Kentucky into southwest Virginia, where precipitable water values increased from 0.6 to 0.7 inches at 7 am that...
Flash Flood — Sep 30, 2024
Multiple rounds of showers and thunderstorms associated with the remnant moisture of Tropical Storm Helene passed across the region, producing localized heavy rainfall across soils that were already moist from previous rainfall. Rainfall rates in several of the storms that developed ranged from between three and five inches per hour and, in a few cases, were higher. Creeks that were already hig...
Flood — May 29, 2023
A deep, closed upper level low pressure system was observed over central Alabama on the morning of May 28th. The east winds around this low, allowed deep sub-tropical moisture from the Atlantic to move into lower Mid-Atlantic region. Areas of rain developed across the mountains by late morning, and gradually increased in coverage due to the sustained 25 to 30 knot (850mb) moisture inflow. Preci...
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, Virginia:
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, Virginia 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.