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
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
Events per year
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.
- Havre City ofServes 9,921 · Surface water · Local government2 health violations+5 monitoring or reporting
- Hill County Water DistrictsServes 1,720 · Groundwater · Local governmentNo health violations
- East End Colony INCServes 100 · Groundwater · PrivateNo health violations+2 monitoring or reporting
- Ncmrwa North Havre Cwd LegServes 90 · Purchased surface water · Local governmentNo health violations+5 monitoring or reporting
- North Havre County Water DistServes 90 · Purchased surface water · Local governmentNo health violations+4 monitoring or reporting
- Bitterroot Tp Havre UnapprovedServes 88 · Groundwater · PrivateNo health violations
- Hidden Valley ColonyServes 80 · Groundwater · PrivateNo health violations+1 monitoring or reporting
- Hilldale ColonyServes 79 · Purchased surface water · PrivateNo health violations+2 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.
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.