Property Atlas

County hazard profile

Deer Lodge, MT

Montana · pop. 9,414 · FIPS 30023

Very Low
FEMA risk rating · RATING
Avalanche
dominant hazard
$6M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Deer Lodge $6M

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 indexVery Low 17.59/100
national median ~50 among the lowest nationally
Social vulnerabilityRelatively Moderate 53.44/100
national median ~50 near the national middle (53rd percentile)
Community resilienceRelatively Low 34.86/100
national median ~50 lower than most counties (35th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Deer Lodge

The National Flood Insurance Program has paid 9 flood-insurance claims totaling $8K in Deer Lodge since 1980. The costliest year was 2019 ($5K paid).

Flood-insurance dollars paid by year of loss

1980: $0 paid 1983: $0 paid 1984: $0 paid 1995: $0 paid 1996: $3,234 paid 1997: $413 paid 2019: $4,636 paid 2019 · $5K 1980 2019
$8K
total paid
$920
average claim
$5K
largest single claim
11%
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 Deer Lodge, MT and where it ranks among U.S. counties. It is not a verdict on whether Deer Lodge 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.