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Montgomery County, PA flood insurance claims history

6,200 claims under the National Flood Insurance Program have been filed for flood losses in Montgomery County since 1978, and FEMA has paid out $185.3M on them. The worst year was 2011 with 811 claims. Montgomery County ranks #1 of 67 in Pennsylvania by claim count.

Look up your ZIP code

Pick your ZIP code to see how many insured buildings there filed flood claims, in which years, and how much was paid — and which named floods those claims came from, which a county-wide list cannot tell you. Narrow by year or flood zone too. Everything runs in your browser — nothing you pick is sent anywhere. Have a street address? Run the printable flood check for it →

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Flood claims by year

Claims by year of loss, 1978–2026. Spikes line up with named storms and major rain events; quiet years still see claims from local flash flooding.

Biggest flood events in Montgomery County

52% of claims here fall under these 12 entries. “FEMA general label” groups many separate floods under one name; the rest of the claims have no event name.

Flood zones in Montgomery County: which ones the claims came from

Montgomery County is not in one flood zone. FEMA draws zones parcel by parcel, so one street can be Zone AE and the next Zone X — there is no single zone for a whole county. What the claim record can tell you is which zones buildings were actually rated in when they flooded, and what each zone has cost here.

The most common zone on Montgomery County claims is Zone AE — 2,227 of 5,999 claims with a zone on file (37%). 64% were in a high-risk Special Flood Hazard Area, where a federally backed mortgage makes flood insurance mandatory. Open any zone below for what it means and whether it requires insurance.

The zone is the one used to rate the policy when the claim was paid, not today’s map — FEMA remaps areas, so a building rated AE in 1995 may sit in a different zone now. AHB and AOB are older AH / AO variants; A1–A30 and V1–V30 are numbered zones from pre-2000 maps. 201 Montgomery County claims have no zone recorded and are left out of the shares above. Not sure what the letters mean? Flood zones explained →

What caused the flooding

Flood claims by ZIP code in Montgomery County

94 ZIP codes in Montgomery County have at least one NFIP claim. ZIP codes can cross county lines; this table counts only claims FEMA assigned to Montgomery County.

Click a column to sort. Click a ZIP to load it in the lookup above.

When does Montgomery County flood?

September accounts for the most flood losses (1,970 claims, 32%). Claims by month of loss:

Year-by-year detail

Neighboring counties

Montgomery County borders 6 areas we cover. Flood risk does not stop at a county line, so it is worth comparing.

All 67 Pennsylvania counties → · County and ZIP rankings →

Common questions about flooding in Montgomery County

Has Montgomery County flooded recently?

Yes — the most recent flood loss with an insurance claim on file was on 2026-08-27, and claims were filed in 10 of the last 10 years (1,130 claims from 2017 to 2026). FEMA’s data runs to 2026-09-08, so the newest events may not appear yet.

What flood zone is Montgomery County in?

There is no single answer — zones are drawn parcel by parcel, so one street can be Zone AE and the next Zone X. Across 5,999 Montgomery County claims with a zone on file, the most common was Zone AE (37%), and 64% were in a high-risk Special Flood Hazard Area. For one address, look it up on the free flood check or FEMA’s Flood Map Service Center; the zone breakdown above shows what each zone has cost here.

Do I need flood insurance in a low-risk zone here?

Lenders generally require it only in high-risk A and V zones. But 36% of Montgomery County’s claims came from moderate- and low-risk zones. Whether to buy coverage is your call — see flood zones explained and check your address on the FEMA Flood Map Service Center.

Can I see whether a specific house has flooded?

Not here. FEMA removes addresses before publishing, so these figures describe areas, never a property. Our guide how to check if a house has flooded lists the questions and records that can tell you about a specific home.

Why might the real number of floods be higher?

Only buildings with National Flood Insurance can file these claims, and most homes are not insured for flood. More on what the counts mean in understanding NFIP claims data.

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About these numbers

Figures are aggregated from FEMA’s OpenFEMA NFIP Redacted Claims dataset (county FIPS 42091, data as of 2026-09-08). They cover only properties that carried National Flood Insurance — most homes do not, and private flood policies are not included — so real flood damage is larger than these counts show. Dollar amounts are as paid, in nominal dollars. Flood zone is the zone used to rate the policy at the time, which may differ from today’s map. FEMA states this dataset is not an official federal report. Use it for background, not for a purchase, insurance or legal decision; for a specific property ask the seller for its flood disclosure or the owner’s NFIP loss history.