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Risk: Relatively Moderate

Flathead County, MT Environment & Hazard Risk

Relatively Moderate natural hazard risk, led by avalanche. 1,250 storm events since 1996.

Expected yearly loss
$75.4M
Relatively Moderate nationally
Storm events since 1996
1,250
Most often heavy snow
Flood insurance policies
372
0.8% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Moderate

Score 86.5 of 100

Social vulnerability

Very Low

Score 15.9 of 100

Community resilience

Relatively Moderate

Score 46.3 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $23.7B · Agriculture value exposed: $46.2M · Risk-adjusted yearly loss: $64.1M

Risk by hazard

  • AvalancheVery High$8.6M/yr expected annual loss, about once every 2 years
  • LandslideRelatively Moderate$417K/yr expected annual loss, about 4.2 events a year
  • EarthquakeRelatively Moderate$21.2M/yr expected annual loss, about once every 33 years
  • WildfireRelatively Moderate$4.8M/yr expected annual loss, about once every 301 years
  • Cold waveRelatively High$14.3M/yr expected annual loss, about 4.2 events a year
  • Winter weatherRelatively High$725K/yr expected annual loss, about 50 events a year
  • Ice stormRelatively Moderate$264K/yr expected annual loss, about once every 67 years
  • LightningRelatively Moderate$392K/yr expected annual loss, about 21 events a year
  • Heat waveRelatively Low$632K/yr expected annual loss, about 1.3 events a year
  • DroughtVery Low$13.7K/yr expected annual loss, about 36 events a year
  • HailVery Low$96.4K/yr expected annual loss, about once every 3 years
  • Strong windVery Low$146K/yr expected annual loss, about once every 6 years
  • TornadoVery Low$19.4K/yr expected annual loss, about once every 14 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: coastal flooding, hurricane, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
372 of 47,293 (0.8%)
Homes in high-risk flood zones
1,700
Insured in high-risk zones
228 (13%)
Flood claims since 1978
132
Claims paid since 1978
$690K

Flood claims paid per year

Flood claims paid per year in Flathead County

Storm history

Since 1996: 1,250 events, 30 deaths, $33.2M in damage

  • Heavy Snow364 · 1 death
  • Winter Storm244 · 6 deaths
  • Winter Weather174 · 10 deaths
  • High Wind107 · 1 death
  • Hail74
  • Strong Wind51 · 2 deaths
  • Thunderstorm Wind40 · 1 death
  • Flood36 · 3 deaths
  • Extreme Cold/Wind Chill33
  • Cold/Wind Chill26

Events per year

Storm events per year in Flathead County
23
51
33
22
72
49
86
65
21
27
40
25
35
33
33
60
21
30
70
35

4 tornadoes on record (EF0 3, F0 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Winter Storm02/14/2025

    Flathead/Mission Valleys

    4 deaths, 4 injured

    What happened

    Multiple social media reports indicated that roads became very slick during the evening of the 14th. One individual noted that while at the ER, three or four separate people were being treated for serious injuries from vehicle accidents that evening. Another person stated, 'Highway 2 between Evergreen and Columbia Falls is pure ice.' Light snow, combined with northerly winds gusting up to 24 mph at times between the GPI Airport and Columbia Falls, contributed to deteriorating conditions. Snowfall totals included 4 to 5 inches in the Kalispell area and Mission Valley, 9.5 inches at Creston, and 6 inches near Bigfork.

  • Flood06/04/1996

    West Glacier Region

    3 deaths

    What happened

    Major damage from flooding occurred mainly in Ravalli County were numerous roads were flooded and washed out. The worst road damage occurred on the Skalkaho Highway between the Bitterroot Valley and the Philipsburg/Anaconda area were water was diverted into the road in several places. Flooding on the Bitterroot River caused the Victor Crossing Bridge in Ravalli County to move six inches down stream and drop 23 inches. Estimated repair to fix the bridge is one million dollars. Flooding on the Bitterroot also caused erosion east of Victor, exposing a high pressure gas line crossing the river to Victor.$10,000 damage also occurred to septic tanks in the Warm Springs area of Deer Lodge County were 40 to 50 homes were threatened along Warm Spings Creek.Seven damaged areas in the Fisher drainage near Libby Creek in Lincoln County is expected to cost $500,000 to repair. Flooding in Libby Creek had washed out a bridge leading into Howard Lake. Libby Creek road had a 400-foot long piece of pavement and road base washed out, six feet wide.In Flathead County, the East Side Road to Hungry Horse Reservoir has been closed due to a massive road slump due to flooding. Felix Creek also caused...

  • Winter Weather11/07/2022

    Kootenai/Cabinet Region

    2 deaths, 1 injured

    What happened

    Snow showers brought several inches of snow to the region, including 3.1 inches in Kila and 2.1 inches in Marion. The slick roads contributed to two fatalities on US-2 west of Libby at 1423MST in the afternoon.

  • Avalanche01/13/2008

    West Glacier Region

    2 deaths, 1 injured

    What happened

    Flathead County Search and Rescue personnel reported a large avalanche on the back side of Big Mountain Ski Resort. Two skiers were killed and one was injured. The avalanche was initiated by another skier who was skiing out of bounds in an area closed to skiing.

  • Strong Wind26 kt wind04/14/2022

    West Glacier Region

    2 deaths

    What happened

    Two teenager kayakers drowned on Swan Lake following the development of strong offshore winds.

  • Avalanche01/14/2006

    West Glacier Region

    2 deaths

    What happened

    Three snowmobilers were caught in a massive avalanche at Red Meadow Lake near Olney. One person survived, while two others perished. One of the fatalities was the result of injuries sustained in the incident. The other was caused by suffocation, a result of being buried.

Drinking water

142 community water systems serve about 78,353 people. Violations since 2021.

6 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 4 systems had a violation of any kind still open at last report.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Climate

1991-2020 normals at Hungry Horse Dam, 4.4 mi from the county center

Summer highs peak around 82°F in Jul and winter lows bottom out near 20°F in Feb. About 34.6 inches of rain falls in a typical year.

MonthHighLowRain
Jan31°F20°F3.62 in
Feb34°F20°F2.53 in
Mar43°F25°F3.21 in
Apr53°F32°F2.65 in
May64°F41°F2.87 in
Jun71°F47°F3.82 in
Jul82°F53°F1.42 in
Aug81°F52°F1.23 in
Sep69°F44°F2.21 in
Oct52°F35°F3.52 in
Nov38°F28°F3.88 in
Dec31°F21°F3.66 in
Year44°F average34.6 in

Pollution sites

1 Superfund site and 5 toxic release facilities in Flathead County

Superfund sites

Toxic release facilities

Total: 149,020 lbs in 2024, 148,923 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk123 historic places

Frequently asked questions

How risky is Flathead County for natural disasters?
FEMA rates Flathead County relatively moderate for overall natural hazard risk, with expected losses of $75.4M a year. The highest-rated hazards are avalanche (very high), landslide (relatively moderate), earthquake (relatively moderate).
What storms are most common in Flathead County?
Since 1996, NOAA recorded 1,250 storm events affecting Flathead County, most often heavy snow (364), winter storm (244), winter weather (174).
How many tornadoes have hit Flathead County?
4 tornadoes have been recorded in Flathead County since 1950.
How many homes in Flathead County have flood insurance?
372 residential flood insurance policies are in force in Flathead County, covering about 0.8% of homes. The program has paid $690K on 132 claims here since 1978.
What is the weather like in Flathead County?
At Hungry Horse Dam, average highs reach 82°F in Jul and lows fall to 20°F in Feb, with 34.6 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.