Storm risk in Montgomery County, Ohio

FEMA rates Montgomery County Relatively Moderate for natural-hazard risk overall, 232nd of 3,144 rated counties. For a roof the three that matter are hail (Relatively High), strong wind (Relatively High) and tornado (Relatively High). NOAA logged 71 hail reports here from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. Planning-level county ratings.

Montgomery County: FEMA National Risk Index scores for overall risk, hail, strong wind and tornado, each on a scale of 0 to 100Overall riskOverall risk: score 92.7, Relatively Moderate, 232nd of 3,144 rated counties93Relatively Moderate, 232nd of 3,144HailHail: score 95.7, Relatively High, 136th of 3,126 rated counties96Relatively High, 136th of 3,126Strong windStrong wind: score 97.5, Relatively High, 80th of 3,121 rated counties97Relatively High, 80th of 3,121TornadoTornado: score 92.6, Relatively High, 233rd of 3,144 rated counties93Relatively High, 233rd of 3,144

Each dot is the county’s score from 0 to 100 against all rated U.S. counties; the bar colour is FEMA’s rating band.

Hazard by hazard

HazardRatingScore (0 to 100)Rank in U.S.Rank in OHExpected yearly loss
OverallRelatively Moderate 92.72324 of 88$94,374,923buildings
HailRelatively High 95.71366 of 88$3,090,651buildings
Strong windRelatively High 97.5801 of 88$2,637,981buildings
TornadoRelatively High 92.62336 of 88$8,572,695all exposure

Rank 1 is the highest score. Expected annual loss is a county total in dollars per year, not a figure per home; the overall, hail and wind rows count buildings only, the tornado row all exposure.

Montgomery County in plain numbers

  • FEMA's overall rating for Montgomery County is Relatively Moderate, score 92.7 of 100, 232nd of 3,144 rated counties.
  • Hail: Relatively High (score 95.7), 136th nationwide and 6th of 88 counties in Ohio.
  • Expected yearly hail loss to buildings: $3,090,651 for the whole county, about $27.68 per $1 million of building value.
  • NRI's hail record averages 3.5 hail events a year in the county.
  • Strong wind: Relatively High (score 97.5), 80th nationwide; expected yearly loss to buildings $2,637,981, about $23.63 per $1 million of building value.
  • Tornado: Relatively High (score 92.6), 233rd nationwide; total expected yearly loss $8,572,695.
  • Buildings in the county are valued at 111.6 billion dollars in the index; population 537,193.
  • Social vulnerability is rated Relatively Moderate and community resilience Relatively High.
  • NOAA logged 71 hail reports in Montgomery County from 2014 to June 2026; hail of 1 inch or more fell on 12 days and the largest stone was 1.75 inches.
  • 1 of our cities is in the county: Dayton.
  • 32 ZIP Code Tabulation Areas have more than half of their land area in Montgomery County.
  • Our guide range for a 2,000 sq ft asphalt roof in Dayton is $6,370 to $14,105.
  • NOAA lists 12 tornado tracks in the county since 2014.

Where large hail was reported

FEMA scores the county as a whole. NOAA’s storm reports show where inside it the big stones fell.

Reported hail locations, Montgomery County

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.25 in hail1.25 in hail1.25 in hail1.25 in hail1.25 in hail1.5 in hail1.5 in hail1.5 in hail1.5 in hail1.75 in hail1.75 in hail Dayton
  • 301 to 1.74 in
  • 21.75 to 2.74 in, golf ball to tennis ball
  • 02.75 in and up, baseball

Largest plotted stone: 1.75 in. Bigger dots are bigger stones.

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

Sources: NOAA, Census county outline

Cities and ZIP areas in Montgomery County

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. 32 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Dayton 45402 (100%), 45419 (100%), 45432 (34%), 45420 (100%) Roofers

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

Start an inspection request

Questions

How high is storm risk in Montgomery County?

FEMA's National Risk Index rates Montgomery County Relatively Moderate overall. By peril: hail Relatively High, strong wind Relatively High, tornado Relatively High. The highest-scoring of the three for this county is strong wind (score 97.5).

How many hail reports has NOAA logged in Montgomery County?

71 reports between 2014 and June 2026 in NOAA's Storm Events Database. A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell.

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 a county total, not a figure per home, and it is built for comparing counties, not for pricing one house.

Does a high rating mean my roof will be damaged?

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

How does Montgomery County compare with the rest of Ohio?

For hail it ranks 6th of 88 rated counties in the state; for strong wind 1st of 88; for tornado 6th of 88.

Other Ohio counties

Sources: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database; Census Bureau ZCTA-to-county relationship file (2020). 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). Planning-level information, not an inspection and not insurance advice.