Storm risk in Montgomery County, Alabama

FEMA's overall hazard score for Montgomery County, AL is 91.83 (Relatively Moderate), 258th of 3,144 counties. Hail scores 76.37 (Relatively Moderate), strong wind 95.74 (Relatively High) and tornado 96.6 (Relatively High). Expected hail loss is $5.70 per $1 million of buildings a year; NOAA logged 16 hail reports in Montgomery County, AL from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.

Montgomery County: expected yearly loss per $1 million of buildings for hail, strong wind and tornado, on a log scale, against all U.S. counties and the counties of AL$0.1$1$10$100$1,000Hail: $5.70 per $1 million, 2,366th of 3,126 rated counties$5.70Hail2,366th of 3,126 countiesStrong wind: $18 per $1 million, 1,674th of 3,121 rated counties$18Strong wind1,674th of 3,121 countiesTornado: $256 per $1 million, 1,241st of 3,144 rated counties$256Tornado1,241st of 3,144 counties
  • Montgomery County, AL, coloured by its FEMA rating
  • all U.S. counties
  • each county in the state
  • U.S. median
  • state median

Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.

How FEMA rates Montgomery County, AL

HazardRatingScore (0 to 100)Rank in U.S.Rank in AL
OverallRelatively Moderate 91.83258 of 3,1445 of 67
HailRelatively Moderate 76.37744 of 3,1262 of 67
Strong windRelatively High 95.74135 of 3,1265 of 67
TornadoRelatively High 96.60108 of 3,1269 of 67

Expected yearly loss, in dollars

HazardThis county, total a yearPer $1M of buildingsState median countyU.S. median countyRank per $1M, U.S.Rank per $1M, state
Hail$296,004$5.70 $7.87$22 2,366 of 3,12646 of 67
Strong wind$935,923$18 $19$20 1,674 of 3,12137 of 67
Tornado$13,300,587$256 $433$199 1,241 of 3,14456 of 67

Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.

What stands out in Montgomery County, AL

  • FEMA expects hail in Montgomery County, AL to cost $5.70 per $1 million of buildings a year: 0.26 times the U.S. median and 0.72 times the AL county median, ranked 2,366th of 3,126 counties nationally and 46th of 67 in Alabama.
  • FEMA expects strong wind in Montgomery County, AL to cost $18 per $1 million of buildings a year: 0.89 times the U.S. median and 0.94 times the AL county median, ranked 1,674th of 3,121 counties nationally and 37th of 67 in Alabama.
  • FEMA expects tornado in Montgomery County, AL to cost $256 per $1 million of buildings a year: 1.29 times the U.S. median and 0.59 times the AL county median, ranked 1,241st of 3,144 counties nationally and 56th of 67 in Alabama.
  • NOAA has only 16 hail reports for Montgomery County, AL in 12 years, too few for a trend; FEMA's 80 counted hail events cover a longer record.
  • Applying FEMA's estimate to a $160,100 home, the average yearly loss in Montgomery County, AL is about $0.91 for hail and $2.89 for wind before any deductible; at the U.S. median county rates it would be $3.58 and $3.26.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Montgomery County, AL meets about 15.0 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1979, the median home in Montgomery County, AL is 47 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 80.5% of its 105,799 homes are at least 26 years old.
  • March to June holds 15 of the 16 hail reports in Montgomery County, AL (94 percent); the quietest month is February, with 0 reports.

What hail and wind cost a home here in an average year

Enter a home value. The calculator applies Montgomery County, AL’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.

$0.91hail, a year; $3.58 at the U.S. median county rate
$2.89strong wind, a year; $3.26 at the U.S. median county rate
$76hail and wind together over 20 years, at today’s rate

Formula: home value × Montgomery County, AL yearly loss ÷ building value. Hail: $296,004 ÷ $51,888,535,889 = 0.0000057. Wind: $935,923 ÷ $51,888,535,889 = 0.0000180. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.

Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.

Montgomery County, AL in plain numbers

  • Montgomery County, AL scores 91.83 in FEMA's overall hazard index (Relatively Moderate): 258th of 3,144 rated counties and 5th of 67 in Alabama.
  • Hail scores 76.37 (Relatively Moderate). FEMA expects $296,004 of hail damage to buildings in Montgomery County, AL a year, which is $5.70 per $1 million of buildings, 0.26 times the U.S. median.
  • Strong wind scores 95.74 (Relatively High) with $935,923 of expected yearly building loss in Montgomery County, AL: $18 per $1 million of buildings, 0.89 times the U.S. median.
  • Tornado scores 96.6 (Relatively High) and FEMA's expected yearly tornado loss is $13,300,587, counting everything exposed, or $256 per $1 million of buildings in Montgomery County, AL.
  • FEMA's own event record for Montgomery County, AL averages 2.12 hail events and 1.40 strong-wind events a year.
  • NOAA logged 16 hail reports in Montgomery County, AL between 2014 and June 2026, on 10 days with stones of 1 inch or more; the largest was 2.75 inches.
  • In Montgomery County, AL, FEMA counts buildings worth 51.89 billion dollars and 228,847 residents.
  • Social vulnerability is Relatively High in Montgomery County, AL.
  • Community resilience there is Relatively High, for 228,847 residents.
  • 1 city in Montgomery County, AL is covered on this site: Montgomery. 22 Census ZIP areas have more than half of their land in the county.
  • Our guide range for a 2,000 sq ft asphalt roof in Montgomery is $5,810 to $12,865.
  • Montgomery County, AL ranks 154 of the 194 counties with a page here for hail loss per $1 million of buildings, 68 for wind and 79 for tornado.
  • In Montgomery County, AL, May is the busiest month with 7 of the 16 reports (44 percent), against 0 reports in November.
  • Montgomery County, AL's worst year was 2023, with 5 hail days at 1 inch or more and 5 reports. At the 2014 to 2025 pace that is 0.75 such days a year, one about every 16.0 months.
  • The median home in Montgomery County, AL was built in 1979; 51.9% of its 105,799 housing units date from before 1980, 80.5% from before 2000 and 8.4% from 2010 on.
  • Census puts the median home value in Montgomery County, AL at $160,100, and 57.7% of homes are lived in by their owners.
  • 5,598 single-family building permits were issued in Montgomery County, AL from 2014 to 2025, about 52.9 per 1,000 homes, peaking in 2021.
  • NOAA lists 18 tornado tracks in Montgomery County, AL since 2014; the strongest was an EF2 on November 30, 2022 near Boylston, 6.79 miles long.
  • The fastest gust in NOAA's records for Montgomery County, AL is 71 mph on January 25, 2026 at Chisholm.
  • The nearest county with a page here is Lee County, 56 miles from the centre of Montgomery County, AL; its hail score is 72.61.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 11 roofing contractor establishments in Montgomery County, AL in 2023, one for every 9,618 homes.

The hail record of Montgomery County, AL, year by year

NOAA logged 16 reports in Montgomery County, AL; hail of 1 inch or more fell on 10 days. With so few reports the yearly bars below are small numbers, and a single storm moves them.

Montgomery County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more0123452014: 0 reports, 0 days at 1 inch or more, largest 0 inch142015: 0 reports, 0 days at 1 inch or more, largest 0 inch152016: 0 reports, 0 days at 1 inch or more, largest 0 inch162017: 0 reports, 0 days at 1 inch or more, largest 0 inch172018: 0 reports, 0 days at 1 inch or more, largest 0 inch182019: 0 reports, 0 days at 1 inch or more, largest 0 inch192020: 1 reports, 1 days at 1 inch or more, largest 1 inch202021: 1 reports, 1 days at 1 inch or more, largest 1.75 inch212022: 2 reports, 1 days at 1 inch or more, largest 1 inch222023: 5 reports, 5 days at 1 inch or more, largest 1.75 inch232024: 2 reports, 1 days at 1 inch or more, largest 1.1 inch242025: 1 reports, 0 days at 1 inch or more, largest 0.88 inch252026: 4 reports, 1 days at 1 inch or more, largest 2.75 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Montgomery County: NOAA hail reports by calendar month, 2014 to June 2026January: 1 reports1JanFebruary: 0 reports0FebMarch: 2 reports2MarApril: 4 reports4AprMay: 7 reports7MayJune: 2 reports2JunJuly: 0 reports0JulAugust: 0 reports0AugSeptember: 0 reports0SepOctober: 0 reports0OctNovember: 0 reports0NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: May, 7 reports.

The same numbers as a table (years with at least one report)
YearReportsDays, 1 inch or moreDays, 1.75 inch or moreLargest stoneDamage reported
20201101 in–
20211111.75 in–
20222101 in–
20235511.75 in–
20242101.1 in–
20251000.88 in–
2026 (to June)4112.75 in–

Biggest hail days in Montgomery County, AL

DateLargest stoneReports that dayDamage reportedNear
May 6, 20262.75 in4none recordedWaugh
April 24, 20211.75 in1none recordedPike Road
June 13, 20231.75 in1none recordedDublin
March 15, 20241.1 in1none recordedPinedale
May 22, 20201 in1none recordedDublin

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside Montgomery County, AL the big stones fell.

Reported hail locations, Montgomery County, AL

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.1 in hail1.75 in hail1.75 in hail2.5 in hail2.75 in hail Montgomery
  • 91 to 1.74 in
  • 31.75 to 2.74 in, golf ball to tennis ball
  • 12.75 in and up, baseball

Largest plotted stone: 2.75 in. Bigger dots are bigger stones.

13 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for Montgomery County, AL

Fastest gusts in Montgomery County, AL

DateGustNear
January 25, 202671 mphChisholm
February 16, 202570 mph(Mgm)Montgomery Arpt
January 25, 202670 mphMontgomery
June 28, 202069 mphGrady

Strongest tornado tracks in Montgomery County, AL

DateScaleLengthInjured / killedNear
November 30, 2022EF26.79 mi2 / 2Boylston
April 5, 2022EF26.75 mi0 / 0Curry
December 29, 2024EF110.01 mi0 / 0Sprague
December 29, 2024EF13.94 mi0 / 0Mc Gehees

18 tornado tracks in all since 2014; the strongest 4 are listed.

How old the roofs are

Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Montgomery County, AL’s 2014 to 2025 pace of 0.75 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Montgomery County: share of homes by decade built, with the hail days at 1 inch or more that an original roof from each decade has met at the county's 2014 to 2025 ratepre-1940: 6.2% of homes6.2%<1940681940s: 3.5% of homes3.5%1940s611950s: 10.5% of homes10.5%1950s531960s: 12.0% of homes12%1960s461970s: 19.8% of homes19.8%1970s381980s: 13.3% of homes13.3%1980s311990s: 15.3% of homes15.3%1990s232000s: 11.1% of homes11.1%2000s162010s: 7.7% of homes7.7%2010s82020+: 0.7% of homes0.7%2020+2

Bars: share of 105,799 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.

Median year built1979
Built before 198051.9%
Built before 200080.5%
Built since 20108.4%
Owner-occupied57.7%
Median home value$160,100
Single-family permits, 2014 to 20255,598
Permits per 1,000 homes52.9

Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.

Roofers and past disasters in Montgomery County, AL

Roofing firms in Montgomery County, AL

Roofing contractor establishments, 202311
Change since 2016+0 (+0%)
Homes per roofing firm9,618
Median across counties5,189
Employees, 2023119

Source for Montgomery County, AL: Census County Business Patterns, NAICS 238160.

Nearby counties

The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Montgomery County, AL's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Lee County, AL56 Relatively Low $101.81$4.880.2725
Houston County, AL90 Relatively Moderate $1.020.18$100.5614
Jefferson County, AL100 Relatively High $0.680.12$4.710.2655
Tuscaloosa County, AL104 Relatively Moderate $2.250.39$150.8327
Etowah County, AL124 Relatively Moderate $122.16$120.6836
Mobile County, AL155 Relatively High $7.451.31$3.890.2233

More Alabama counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Montgomery County, AL

1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 22 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Montgomery 36101 (100%), 36104 (100%), 36106 (100%), 36109 (100%), 36117 (100%) Roofers

Storm hit your roof in Montgomery County, AL? A free inspection tells you if there is damage. One local roofer answers, not five.

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Questions

How high is storm risk in Montgomery County, AL?

FEMA's National Risk Index gives Montgomery County, AL an overall score of 91.83 (Relatively Moderate), 258th of 3,144. Hail scores 76.37 (Relatively Moderate), strong wind 95.74 (Relatively High) and tornado 96.6 (Relatively High).

In Montgomery County, AL, how many hail reports has NOAA logged?

A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 16 for Montgomery County, AL between 2014 and June 2026, on 10 days with hail of 1 inch or more; the largest stone was 2.75 inches.

What do hail and wind cost a home in Montgomery County, AL each year, on average?

Applying FEMA's county rates to its median home value of $160,100: FEMA's estimate is about $0.91 a year for hail and $2.89 for wind, before any deductible, against $3.58 and $3.26 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.

How does Montgomery County, AL compare with the rest of Alabama?

Per $1 million of buildings Montgomery County, AL loses $5.70 to hail a year, against $7.87 in the median county of the state. Among 67 rated counties it is 2nd for hail, 5th for strong wind and 9th for tornado.

How old are the roofs in Montgomery County, AL?

The median home was built in 1979, 47 years ago, and 80.5% of the 105,799 housing units in Montgomery County, AL date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.

What does expected annual loss mean?

It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.

Does a high rating mean my roof will be damaged?

No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.

Sources for Montgomery County, AL: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Montgomery County, AL; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Montgomery County, AL; Census County Business Patterns, roofing firms in Montgomery County, AL. Planning-level information about Montgomery County, AL, not an inspection and not insurance advice.

This product uses the Federal Emergency Management Agency's National Risk Index dataset but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).