Phillips County, MT Environment & Hazard Risk
Very Low natural hazard risk, led by cold wave. 1,297 storm events since 1996.
- Expected yearly loss
- $7.7M
- Very Low nationally
- Storm events since 1996
- 1,297
- Most often high wind
- Flood insurance policies
- 12
- 0.3% of homes
- Hurricanes nearby
- 0
- Since 1851
Natural hazard risk
FEMA National Risk Index, December 2025
Overall risk
Very Low
Score 34.5 of 100
Social vulnerability
Very High
Score 80.9 of 100
Community resilience
Very Low
Score 17.7 of 100
Community resilience runs the other way: a higher rating means a community can recover faster.
Building value exposed: $2.6B · Agriculture value exposed: $96.2M · Risk-adjusted yearly loss: $11.5M
Risk by hazard
- Cold waveRelatively Moderate$3.7M/yr expected annual loss, about 14 events a year
- Winter weatherRelatively Moderate$86.2K/yr expected annual loss, about 18 events a year
- WildfireRelatively Low$103K/yr expected annual loss, about once every 695 years
- LightningRelatively Moderate$282K/yr expected annual loss, about 26 events a year
- LandslideVery Low$607/yr expected annual loss, about 1.6 events a year
- DroughtVery Low$13.1K/yr expected annual loss, about 59 events a year
- HailVery Low$70.3K/yr expected annual loss, about once every 1 year
- Heat waveVery Low$45.9K/yr expected annual loss, about 2.5 events a year
- EarthquakeVery Low$11.4K/yr expected annual loss, about once every 5,291 years
- Strong windVery Low$44K/yr expected annual loss, about once every 1 year
- TornadoVery Low$28.9K/yr expected annual loss, about once every 3 years
- Ice stormVery Low$2,591/yr expected annual loss, about once every 67 years
- AvalancheVery Low$1/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
- 12 of 3,561 (0.3%)
- Homes in high-risk flood zones
- 0
- Flood claims since 1978
- 39
- Claims paid since 1978
- $135K
Flood claims paid per year
- Flooding$6,729 · 2 claims
Storm history
Since 1996: 1,297 events, 0 deaths, $1.4M in damage
- High Wind256
- Hail254
- Thunderstorm Wind239
- Drought129
- Heavy Snow72
- Winter Storm70
- Extreme Cold/Wind Chill46
- Flood42
- Winter Weather35
- Blizzard32
Events per year
14 tornadoes on record (EF0 1, EF1 2, F0 7, F1 3).
Most damaging storms
Since 1996, ranked by deaths, injuries and damage
- Winter Weather12/07/2014
Central and SE Phillips
3 injured
What happened
A bus carrying the Minot State University wrestling team was travelling east on Highway 2. They slid off the road just after crossing the Milk River bridge 2 miles west of Dodson. Three people sustained injuries.
- Winter Weather01/05/2011
Central and SE Phillips
2 injured
What happened
Blowing and drifting snow occurred on area roadways in Phillips county, especially on Highway 2 east of Malta (according to the county dispatcher). A couple of accidents were a result as driving conditions became severe on many roadways. The injuries were minor.
- TornadoEF1, 0.75 mi path, 25 yd wide06/30/2011
Saco, Phillips County
$300K damage
What happened
A farm/ranch was significantly damaged by a tornado and damaging downburst winds. The storm stripped trees bare, four car garages were either destroyed or damaged. A 1000 gallon fuel tank that was filled that day was blown off it's stand. The houses received significant damage from hail and the high winds,and the majority of the windows on the two homes were busted out by the wind and hail. A 2x6 piece of lumber was blown and implanted into the side of one of the houses. The majority of the damage was downstream with the storm system. The peak gust was recorded at 86 mph before the sensor was destroyed. Quarter size hail fell with the storm as well, wiping out nearby field. The NWS did not receive the tornado report until a month after the event, but radar data verified the possibility of a tornado, and the property owner verified seeing a funnel cloud come from the sky prior to seeking shelter.
- Hail2.75" hail07/12/2004
Saco, Phillips County
$175K damage
- Blizzard05/10/2016
Little Rocky Mountains
$160K damage
- Blizzard04/09/2005
Little Rocky Mountains
$100K damage
Drinking water
7 community water systems serve about 2,411 people. Violations since 2021.
1 system had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 1 system had a violation of any kind still open at last report.
- Malta City ofServes 1,800 · Groundwater · Local governmentNo health violations+4 monitoring or reporting
- Saco Town ofServes 180 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
- Phillips County Zortman Water and SewerServes 169 · Groundwater · Local governmentNo health violations+2 monitoring or reporting
- Dodson Town ofServes 120 · Groundwater · Local government2 health violations+27 monitoring or reporting
- Camp Creek Wua INCServes 50 · Purchased groundwater · Local governmentNo health violations+3 monitoring or reporting
- East Malta ColonyServes 47 · Groundwater · PrivateNo health violations+9 monitoring or reporting
- Loring Hutterian Brethren INCServes 45 · Groundwater · PrivateNo health violations
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 Phillips County
No Superfund sites or toxic release facilities in Phillips County in our data.
Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk8 historic places
Frequently asked questions
- How risky is Phillips County for natural disasters?
- FEMA rates Phillips County very low for overall natural hazard risk, with expected losses of $7.7M a year. The highest-rated hazards are cold wave (relatively moderate), winter weather (relatively moderate), wildfire (relatively low).
- What storms are most common in Phillips County?
- Since 1996, NOAA recorded 1,297 storm events affecting Phillips County, most often high wind (256), hail (254), thunderstorm wind (239).
- How many tornadoes have hit Phillips County?
- 14 tornadoes have been recorded in Phillips County since 1950.
- How many homes in Phillips County have flood insurance?
- 12 residential flood insurance policies are in force in Phillips County, covering about 0.3% of homes. The program has paid $135K on 39 claims here since 1978.
- What is the weather like in Phillips County?
- At Malta, average highs reach 86°F in Jul and lows fall to 7°F in Jan, with 13.3 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.