Conroe, Texas: natural disaster risk
How exposed Conroe is to floods, storms and other hazards, from FEMA and NOAA records for Montgomery County.
Conroe is a city of 102,360 people in Montgomery County, Texas. FEMA's National Risk Index rates Montgomery County relatively high for natural hazards overall, higher than most of the US. The costliest hazards there are inland flooding, tornado and cold wave, with about $222 million in expected losses a year across the county. The weather service has logged 563 storm reports in the county since 1954, including 55 tornadoes and 77 floods. NOAA hurricane records show 11 hurricanes and 30 tropical storms passing within 65 miles of the county's center, 1 of them major. About 10.7% of homes in the county carry federal flood insurance.
Risk figures are for Montgomery County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Conroe
Full Montgomery County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $94M | |
| Tornado | $62M | |
| Cold wave | $23M | |
| Hurricane | $18M | |
| Lightning | $9M | |
| Heat wave | $8M | |
| Strong wind | $3M | |
| Ice storm | $2M | |
| Hail | $2M | |
| Earthquake | $713K | |
| Drought | $547K | |
| Wildfire | $426K |
Homes in Conroe
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Montgomery County
More cities in Montgomery County
Common questions about Conroe
Is Conroe safe from natural disasters?
Conroe is in Montgomery County, which FEMA's National Risk Index rates relatively high overall, higher than most of the US. The biggest hazards are inland flooding, tornado, cold wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Conroe?
By expected yearly losses in Montgomery County, the top hazards are inland flooding (High), tornado (Very High), cold wave (High). Montgomery County has been part of 36 federal disaster or emergency declarations for natural events.
Does Conroe get tornadoes?
Yes. NOAA records list 55 tornadoes in Montgomery County since 1950; the strongest was an F3 tornado on December 12, 1968. FEMA rates tornado risk in the county very high.
Do I need flood insurance in Conroe?
Standard home insurance does not cover floods. In Montgomery County, about 10.7% of homes have federal flood insurance, and FEMA rates inland flooding risk high. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.