Property Atlas

County hazard profile

Carbon, MT

Montana · pop. 10,455 · FIPS 30009

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$16M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Carbon $16M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 59.8/100
national median ~50 near the national middle (60th percentile)
Social vulnerabilityRelatively High 74.84/100
national median ~50 higher than 75% of counties
Community resilienceRelatively High 64.06/100
national median ~50 near the national middle (64th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Carbon

The National Flood Insurance Program has paid 59 flood-insurance claims totaling $2.7M in Carbon since 1978. The costliest year was 2022 ($2.4M paid).

Flood-insurance dollars paid by year of loss

1978: $6,175 paid 1979: $20,746 paid 1981: $6,366 paid 1991: $3,036 paid 1995: $31,478 paid 1996: $825 paid 1997: $67,014 paid 2001: $2,249 paid 2003: $4,069 paid 2005: $4,403 paid 2007: $36,229 paid 2008: $13,443 paid 2011: $99,033 paid 2014: $21,878 paid 2018: $8,764 paid 2019: $0 paid 2020: $25,000 paid 2022: $2,360,562 paid 2022 · $2.4M 1978 2022
$2.7M
total paid
$45,954
average claim
$325K
largest single claim
53%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Carbon, MT and where it ranks among U.S. counties. It is not a verdict on whether Carbon is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.