STATE RISK ROLL-UP

Montana

Across 56 counties, FEMA rates 0 elevated or higher for overall natural-hazard risk. Here's what drives it — and where it concentrates.

How the counties rate

Low52

Moderate4

Elevated0

High0

Dominant hazards

The hazards most often rated elevated or higher across Montana's counties:

Winter weather — 17 counties
Avalanche — 11 counties
Lightning — 3 counties
Strong wind — 1 county

Highest-risk counties

County	FEMA composite	Score
Flathead County	Relatively moderate	86
Yellowstone County	Relatively moderate	84
Cascade County	Relatively moderate	83
Gallatin County	Relatively moderate	81
Ravalli County	Relatively low	78
Missoula County	Relatively low	77

State figures are a roll-up of FEMA National Risk Index county data (counts and rankings), not an official FEMA state rating. Risk is an estimate from a public model, not a guarantee — verify your specific insurance needs with a licensed professional. See the methodology.

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FEMA National Risk Index · as of 2026-07-10