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
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
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.
- Kalispell Public WorksServes 25,000 · Groundwater · Local governmentNo health violations
- Whitefish City ofServes 10,418 · Surface water · Local governmentNo health violations
- Flathead County Water and SewerServes 9,520 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
- Bigfork County Water and SewerServes 6,100 · Groundwater · Local governmentNo health violations
- Columbia Falls City ofServes 4,450 · Groundwater · Local governmentNo health violations+23 monitoring or reporting
- Big Mountain Water CompanyServes 2,435 · Groundwater · PrivateNo health violations+23 monitoring or reporting
- Lakeside Water SystemServes 1,225 · Groundwater · Local governmentNo health violations
- Hungry Horse Co Water and Sewer DistrictServes 1,135 · Groundwater · Local governmentNo health violations+4 monitoring or reporting
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.
| Month | High | Low | Rain |
|---|---|---|---|
| Jan | 31°F | 20°F | 3.62 in |
| Feb | 34°F | 20°F | 2.53 in |
| Mar | 43°F | 25°F | 3.21 in |
| Apr | 53°F | 32°F | 2.65 in |
| May | 64°F | 41°F | 2.87 in |
| Jun | 71°F | 47°F | 3.82 in |
| Jul | 82°F | 53°F | 1.42 in |
| Aug | 81°F | 52°F | 1.23 in |
| Sep | 69°F | 44°F | 2.21 in |
| Oct | 52°F | 35°F | 3.52 in |
| Nov | 38°F | 28°F | 3.88 in |
| Dec | 31°F | 21°F | 3.66 in |
| Year | 44°F average | 34.6 in | |
Pollution sites
1 Superfund site and 5 toxic release facilities in Flathead County
Superfund sites
- Anaconda Aluminum co Columbia Falls Reduction PlantFinalColumbia Falls
Toxic release facilities
- Weyerhaeuser NR148,923 lbs released, Columbia Falls
- Jtl Group-Kalispell Dba Knife River - Kalispell97.1 lbs released, Kalispell
- Cityservicevalcon LLC South Plant Bulk Facility0 lbs released, Kalispell
- Cityservicevalcon LLC Kalispell Bulk Facility0 lbs released, Kalispell
- Weyerhaeuser NR0 lbs released, Kalispell
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.