---
title: Flathead, MT — natural hazard risk profile & national ranking
source: FEMA National Risk Index (county-level)
sourceUrl: https://hazards.fema.gov/nri/
fips: 30029
---

# Flathead, MT

Montana · pop. 104,238 · FIPS 30029

**FEMA risk rating: Relatively Moderate** · dominant hazard: Avalanche · modeled expected annual loss $75M/yr

These risk dimensions are FEMA/CDC MODELS (a rating, not records of disasters); population is a recorded census figure.

## Where Flathead ranks among 3,232 U.S. counties

Each rank is COMPUTED — the county's modeled score placed within the national distribution. A rank within a model, not within observed disasters.

| Dimension | This county | National rank |
| --- | --- | --- |
| FEMA risk index | 86.45 | ≈ 86th pct — higher than 86% of counties (national median 50.02, n=3,144) |
| Expected annual loss | $75M | ≈ 23rd pct — among the lowest nationally (national median $15M, n=3,232) |
| Social vulnerability | 15.94 | ≈ 16th pct — among the lowest nationally (national median 50.03, n=3,144) |
| Community resilience | 46.34 | ≈ 46th pct — near the national middle (46th percentile) (national median 50.02, n=3,144) |

## Realized flood losses in Flathead (RECORDED — NFIP claims)

The National Flood Insurance Program has paid **132** flood-insurance claims totaling **$690,321** in Flathead since 1979. The costliest year of loss was **2011** ($392,548 paid).

| Metric | Value |
| --- | --- |
| Total claims paid | $690,321 |
| Claims | 132 |
| Average claim | $5,230 |
| Largest single claim | $187,104 |
| Claims since 2000 | 51 |
| In high-risk flood zones (A/V) | 23% |

These are **RECORDED** actual paid NFIP claims (a redacted census from OpenFEMA), not a model — the realized counterpart to the FEMA risk score above. **Scope:** flood-*insurance* claims UNDERCOUNT flooding where owners were uninsured ("what NFIP paid," not "every flood"); county-level totals, not a per-property verdict. Source: OpenFEMA NFIP Redacted Claims v2 (`src:openfema:nfip-claims-v2:2026`). Verify an address and buy coverage at https://www.floodsmart.gov/.

## What this is — and is NOT (interpretation)

This is FEMA/CDC **modeled** hazard exposure for Flathead, MT and its national rank. It is **not** a verdict on whether Flathead is a good or bad place to live (hazard exposure is not place quality), **not** a per-property or per-address assessment, **not** a prediction of any specific disaster, and **not** insurance advice. For site-specific risk use a per-property assessment; for the model see https://hazards.fema.gov/nri/.

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Structured data (JSON-LD), with each figure's status labeled: `/property/counties/30029.jsonld`