Storm risk in Montgomery County, Tennessee

FEMA's overall hazard score for Montgomery County, TN is 87.37 (Relatively Moderate), 398th of 3,144 counties. Hail scores 87.21 (Relatively Moderate), strong wind 87.56 (Relatively High) and tornado 91.89 (Relatively High). Expected hail loss is $48 per $1 million of buildings a year; NOAA logged 20 hail reports in Montgomery County, TN 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 TN$0.1$1$10$100$1,000Hail: $48 per $1 million, 988th of 3,126 rated counties$48Hail988th of 3,126 countiesStrong wind: $46 per $1 million, 893rd of 3,121 rated counties$46Strong wind893rd of 3,121 countiesTornado: $283 per $1 million, 1,117th of 3,144 rated counties$283Tornado1,117th of 3,144 counties
  • Montgomery County, TN, 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, TN

HazardRatingScore (0 to 100)Rank in U.S.Rank in TN
OverallRelatively Moderate 87.37398 of 3,1448 of 95
HailRelatively Moderate 87.21403 of 3,1262 of 95
Strong windRelatively High 87.56392 of 3,12610 of 95
TornadoRelatively High 91.89256 of 3,12610 of 95

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$1,619,445$48 $12$22 988 of 3,1265 of 95
Strong wind$1,541,273$46 $34$20 893 of 3,12130 of 95
Tornado$9,591,094$283 $403$199 1,117 of 3,14461 of 95

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, TN

  • FEMA expects hail in Montgomery County, TN to cost $48 per $1 million of buildings a year: 2.14 times the U.S. median and 3.88 times the TN county median, ranked 988th of 3,126 counties nationally and 5th of 95 in Tennessee.
  • FEMA expects strong wind in Montgomery County, TN to cost $46 per $1 million of buildings a year: 2.24 times the U.S. median and 1.32 times the TN county median, ranked 893rd of 3,121 counties nationally and 30th of 95 in Tennessee.
  • FEMA expects tornado in Montgomery County, TN to cost $283 per $1 million of buildings a year: 1.42 times the U.S. median and 0.70 times the TN county median, ranked 1,117th of 3,144 counties nationally and 61st of 95 in Tennessee.
  • Applying FEMA's estimate to a $248,300 home, the average yearly loss in Montgomery County, TN is about $12 for hail and $11 for wind before any deductible; at the U.S. median county rates it would be $5.55 and $5.06.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Montgomery County, TN 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 1997, the median home in Montgomery County, TN is 29 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and is inside the rated life of an architectural one (25 to 30 years); 56.2% of its 90,226 homes are at least 26 years old.
  • March to June holds 17 of the 20 hail reports in Montgomery County, TN (85 percent); the quietest month is January, with 0 reports.

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

Enter a home value. The calculator applies Montgomery County, TN’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.

$12hail, a year; $5.55 at the U.S. median county rate
$11strong wind, a year; $5.06 at the U.S. median county rate
$464hail and wind together over 20 years, at today’s rate

Formula: home value × Montgomery County, TN yearly loss ÷ building value. Hail: $1,619,445 ÷ $33,833,584,717 = 0.0000479. Wind: $1,541,273 ÷ $33,833,584,717 = 0.0000456. 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, TN in plain numbers

  • Montgomery County, TN scores 87.37 in FEMA's overall hazard index (Relatively Moderate): 398th of 3,144 rated counties and 8th of 95 in Tennessee.
  • Hail scores 87.21 (Relatively Moderate). FEMA expects $1,619,445 of hail damage to buildings in Montgomery County, TN a year, which is $48 per $1 million of buildings, 2.14 times the U.S. median.
  • Strong wind scores 87.56 (Relatively High) with $1,541,273 of expected yearly building loss in Montgomery County, TN: $46 per $1 million of buildings, 2.24 times the U.S. median.
  • Tornado scores 91.89 (Relatively High) and FEMA's expected yearly tornado loss is $9,591,094, counting everything exposed, or $283 per $1 million of buildings in Montgomery County, TN.
  • FEMA's own event record for Montgomery County, TN averages 3.21 hail events and 5.44 strong-wind events a year.
  • NOAA logged 20 hail reports in Montgomery County, TN between 2014 and June 2026, on 9 days with stones of 1 inch or more; the largest was 3 inches.
  • In Montgomery County, TN, FEMA counts buildings worth 33.83 billion dollars and 220,041 residents.
  • Social vulnerability is Relatively Low in Montgomery County, TN.
  • Community resilience there is Relatively Low, for 220,041 residents.
  • 1 city in Montgomery County, TN is covered on this site: Clarksville. 8 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 Clarksville is $6,090 to $13,485.
  • Montgomery County, TN ranks 65 of the 194 counties with a page here for hail loss per $1 million of buildings, 23 for wind and 71 for tornado.
  • In Montgomery County, TN, May is the busiest month with 9 of the 20 reports (45 percent), against 1 report in November.
  • Montgomery County, TN's worst year was 2024, with 2 hail days at 1 inch or more and 6 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, TN was built in 1997; 25.0% of its 90,226 housing units date from before 1980, 56.2% from before 2000 and 23.5% from 2010 on.
  • Census puts the median home value in Montgomery County, TN at $248,300, and 62.9% of homes are lived in by their owners.
  • 19,997 single-family building permits were issued in Montgomery County, TN from 2014 to 2025, about 221.6 per 1,000 homes, peaking in 2020.
  • NOAA lists 9 tornado tracks in Montgomery County, TN since 2014; the strongest was an EF3 on December 9, 2023 near Woodlawn, 11.3 miles long.
  • The fastest gust in NOAA's records for Montgomery County, TN is 90 mph on October 26, 2019 at Shiloh.
  • The nearest county with a page here is Williamson County, 49 miles from the centre of Montgomery County, TN; its hail score is 41.86.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 6 roofing contractor establishments in Montgomery County, TN in 2023, one for every 15,038 homes.

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

NOAA logged 20 reports in Montgomery County, TN; hail of 1 inch or more fell on 9 days. That is 0.8 such days a year; the median county in NOAA’s file has 1.8.

Montgomery County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more01234562014: 1 reports, 1 days at 1 inch or more, largest 1.75 inch142015: 3 reports, 1 days at 1 inch or more, largest 1.25 inch152016: 1 reports, 1 days at 1 inch or more, largest 1.75 inch162017: 3 reports, 1 days at 1 inch or more, largest 1 inch172018: 3 reports, 2 days at 1 inch or more, largest 1 inch182019: 0 reports, 0 days at 1 inch or more, largest 0 inch192020: 0 reports, 0 days at 1 inch or more, largest 0 inch202021: 0 reports, 0 days at 1 inch or more, largest 0 inch212022: 1 reports, 0 days at 1 inch or more, largest 0.75 inch222023: 1 reports, 0 days at 1 inch or more, largest 0.75 inch232024: 6 reports, 2 days at 1 inch or more, largest 3 inch242025: 1 reports, 1 days at 1 inch or more, largest 1 inch252026: 0 reports, 0 days at 1 inch or more, largest 0 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: 0 reports0JanFebruary: 1 reports1FebMarch: 3 reports3MarApril: 2 reports2AprMay: 9 reports9MayJune: 3 reports3JunJuly: 0 reports0JulAugust: 0 reports0AugSeptember: 0 reports0SepOctober: 1 reports1OctNovember: 1 reports1NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: May, 9 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
20141111.75 in–
20153101.25 in–
20161111.75 in–
20173101 in$1,000
20183201 in–
20221000.75 in–
20231000.75 in–
20246213 in–
20251101 in–

Biggest hail days in Montgomery County, TN

DateLargest stoneReports that dayDamage reportedNear
May 8, 20243 in4none recordedClarksville
October 13, 20141.75 in1none recordedPalmyra
May 10, 20161.75 in1none recordedClarksville Arpt
June 8, 20151.25 in2none recordedClarksville
March 9, 20171 in2$1,000Clarksville

Where large hail was reported

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

Reported hail locations, Montgomery County, TN

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.75 in hail1.75 in hail1.75 in hail1.75 in hail2 in hail3 in hail Clarksville
  • 91 to 1.74 in
  • 51.75 to 2.74 in, golf ball to tennis ball
  • 12.75 in and up, baseball

Largest plotted stone: 3 in. Bigger dots are bigger stones.

15 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, TN

Fastest gusts in Montgomery County, TN

DateGustNear
October 26, 201990 mphShiloh
August 20, 201475 mphClarksville Arpt
March 1, 201775 mphBel Air Estates
August 20, 201471 mphClarksville Arpt

Strongest tornado tracks in Montgomery County, TN

DateScaleLengthInjured / killedNear
December 9, 2023EF311.3 mi62 / 4Woodlawn
February 24, 2018EF24.07 mi2 / 0St Bethlehem
February 24, 2018EF15.31 mi0 / 0Dotsonville
October 13, 2014EF14.18 mi0 / 0Excell

9 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, TN’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: 2.1% of homes2.1%<1940681940s: 2.3% of homes2.3%1940s611950s: 3.9% of homes3.9%1950s531960s: 5.8% of homes5.8%1960s461970s: 10.9% of homes10.9%1970s381980s: 11.9% of homes11.9%1980s311990s: 19.3% of homes19.3%1990s232000s: 20.3% of homes20.3%2000s162010s: 20.1% of homes20.1%2010s82020+: 3.4% of homes3.4%2020+2

Bars: share of 90,226 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 built1997
Built before 198025.0%
Built before 200056.2%
Built since 201023.5%
Owner-occupied62.9%
Median home value$248,300
Single-family permits, 2014 to 202519,997
Permits per 1,000 homes221.6

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, TN

Roofing firms in Montgomery County, TN

Roofing contractor establishments, 20236
Change since 2016+3 (+100%)
Homes per roofing firm15,038
Median across counties5,189
Employees, 202317

Source for Montgomery County, TN: 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, TN's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Williamson County, TN49 Relatively Moderate $5.230.11$4.670.10105
Sumner County, TN50 Relatively Moderate $450.93$150.3351
Rutherford County, TN69 Relatively Moderate $5.610.12$5.540.1248
Madison County, TN101 Relatively Moderate $1.830.04$7.270.1654
Putnam County, TN110 Relatively Low $400.83$440.9735
Hamilton County, TN149 Relatively Moderate $110.24$7.240.1620

More Tennessee counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Montgomery County, TN

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

CityZIP areas (share of land in the county)Pages
Clarksville 37042 (100%), 37058 (0%), 37066 (0%), 37049 (0%) Roofers

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Questions

How high is storm risk in Montgomery County, TN?

FEMA's National Risk Index gives Montgomery County, TN an overall score of 87.37 (Relatively Moderate), 398th of 3,144. Hail scores 87.21 (Relatively Moderate), strong wind 87.56 (Relatively High) and tornado 91.89 (Relatively High).

In Montgomery County, TN, 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 20 for Montgomery County, TN between 2014 and June 2026, on 9 days with hail of 1 inch or more; the largest stone was 3 inches.

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

Applying FEMA's county rates to its median home value of $248,300: FEMA's estimate is about $12 a year for hail and $11 for wind, before any deductible, against $5.55 and $5.06 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, TN compare with the rest of Tennessee?

Per $1 million of buildings Montgomery County, TN loses $48 to hail a year, against $12 in the median county of the state. Among 95 rated counties it is 2nd for hail, 10th for strong wind and 10th for tornado.

How old are the roofs in Montgomery County, TN?

The median home was built in 1997, 29 years ago, and 56.2% of the 90,226 housing units in Montgomery County, TN date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original 3-tab roof is past its rated life and an architectural one is inside it. 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, TN: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Montgomery County, TN; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Montgomery County, TN; Census County Business Patterns, roofing firms in Montgomery County, TN. Planning-level information about Montgomery County, TN, 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).