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Risk: Relatively Low

Hill County, MT Environment & Hazard Risk

Relatively Low natural hazard risk, led by cold wave. 391 storm events since 1996.

Expected yearly loss
$13.2M
Very Low nationally
Storm events since 1996
391
Most often thunderstorm wind
Flood insurance policies
9
0.1% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 50.4 of 100

Social vulnerability

Relatively High

Score 67.1 of 100

Community resilience

Relatively Low

Score 38.1 of 100

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

Building value exposed: $5.3B · Agriculture value exposed: $168M · Risk-adjusted yearly loss: $17.1M

Risk by hazard

  • Cold waveRelatively High$7.8M/yr expected annual loss, about 12 events a year
  • Winter weatherRelatively High$309K/yr expected annual loss, about 22 events a year
  • WildfireVery Low$82.5K/yr expected annual loss, about once every 3,892 years
  • LightningRelatively Moderate$284K/yr expected annual loss, about 22 events a year
  • DroughtRelatively Low$79.5K/yr expected annual loss, about 54 events a year
  • LandslideVery Low$478/yr expected annual loss, about once every 2 years
  • Heat waveVery Low$76.1K/yr expected annual loss, about 1.3 events a year
  • HailVery Low$71K/yr expected annual loss, about once every 2 years
  • EarthquakeVery Low$24.1K/yr expected annual loss, about once every 1,783 years
  • Ice stormVery Low$5,865/yr expected annual loss, about once every 67 years
  • Strong windVery Low$78.1K/yr expected annual loss, about once every 2 years
  • TornadoVery Low$38.9K/yr expected annual loss, about once every 11 years
  • AvalancheVery Low$2/yr expected annual loss, about once every 100 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
9 of 8,495 (0.1%)
Homes in high-risk flood zones
0
Flood claims since 1978
17
Claims paid since 1978
$55.5K

Flood claims paid per year

Flood claims paid per year in Hill County
Beta

Storm history

Since 1996: 391 events, 0 deaths, $4.3M in damage

  • Thunderstorm Wind178
  • Hail83
  • High Wind58
  • Heavy Snow20
  • Extreme Cold/Wind Chill18
  • Heavy Rain11
  • Flood6
  • Funnel Cloud5
  • Winter Weather4
  • Winter Storm4
Beta

Events per year

Storm events per year in Hill County
22
14
3
2
7
7
26
12
13
8
9
5
9
10
6
30
20
44
50
34
Beta

7 tornadoes on record (F0 3, F1 2).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flood04/12/2023

    Laredo, Hill County

    $2.5M damage

    What happened

    Mountain snowpack in the Milk River basin melted out very quickly and contributed significant flooding. Virtually the entire Milk River system flooded in a matter of days as a result, starting near the headwaters in Hill County. Big Sandy Creek near Havre crested at 12.07 feet on April 13, which (as of entry) was the fourth highest crest on record. Route 50 was greatly flooded as well as some businesses . Farther north, Lodge Creek below McRae Creek approached Major Flood stage before cresting at 10.59 feet on April 18th. Much of rural northern Hill County experienced flooding as a result. The Milk River gauge near Havre remained below flood stage, although river levels did come out of their banks farther east, ultimately impacting eastern portions of Havre.

  • Flood05/07/2024

    Rocky Boy, Hill County

    $1.2M damage

    What happened

    Hill County Department of Emergency Services and MT Department of Emergency Services reported flooding in and around the Bears Paw Mountains. Total damage done totaled $1,205,267. The main expenses were to roads & bridges ($368,000) and to parks, recreational, or other facilities ($836,000).

  • Thunderstorm Wind56 kt wind09/01/2004

    Havre, Hill County

    1 injured, $10K damage

    What happened

    A severe thunderstorm produced a wind gust to 65 mph at Havre. A roofer sustained minor injuries when he was blown off the building he was working on. The thunderstorm overturned an unoccupied trailer, knocked down numerous power and phone lines and broke the windshields of a dozen vehicles at two car dealerships.

  • Flash Flood06/28/1998

    Havre, Hill County

    $233K damage

  • Thunderstorm Wind52 kt wind06/20/2003

    Havre, Hill County

    $200K damage

Drinking water

10 community water systems serve about 12,313 people. Violations since 2021.

1 system had health-based violations, such as a contaminant over the legal limit or a missed treatment step.

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

Pollution sites

0 Superfund sites and 0 toxic release facilities in Hill County

No Superfund sites or toxic release facilities in Hill County in our data.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk7 historic places

Frequently asked questions

How risky is Hill County for natural disasters?
FEMA rates Hill County relatively low for overall natural hazard risk, with expected losses of $13.2M a year. The highest-rated hazards are cold wave (relatively high), winter weather (relatively high), wildfire (very low).
What storms are most common in Hill County?
Since 1996, NOAA recorded 391 storm events affecting Hill County, most often thunderstorm wind (178), hail (83), high wind (58).
How many tornadoes have hit Hill County?
7 tornadoes have been recorded in Hill County since 1950.
How many homes in Hill County have flood insurance?
9 residential flood insurance policies are in force in Hill County, covering about 0.1% of homes. The program has paid $55.5K on 17 claims here since 1978.
What is the weather like in Hill County?
At Gildford, average highs reach 84°F in Jul and lows fall to 6°F in Jan, with 11.1 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.

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