Carter County, Montana: hazard risk
FEMA rates Carter County's overall risk Very Low (score 1.7 of 100, higher than 1% of rated U.S. counties). Its storm record holds 627 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Wildfire | Relatively Low | 73.8 | $311K |
| Winter Weather | Relatively Low | 44.7 | $71K |
| Cold Wave | Relatively Low | 39.3 | $852K |
| Landslide | Very Low | 28.0 | $344 |
| Hail | Very Low | 22.6 | $109K |
| Drought | Very Low | 19.1 | $4K |
| Earthquake | Very Low | 12.3 | $16K |
| Heat Wave | Very Low | 7.8 | $16K |
| Tornado | Very Low | 7.6 | $53K |
| Ice Storm | Very Low | 5.9 | $4K |
| Strong Wind | Very Low | 4.5 | $40K |
| Riverine Flooding | Very Low | 4.1 | $834K |
| Lightning | Very Low | 2.7 | $12K |
| Avalanche | Very Low | 0.4 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Hail | 298 | 0 | $10K | 14th of 56 | 2464th of 3,080 |
| Severe thunderstorm wind | 121 | 0 | $5K | 33rd of 56 | 2738th of 3,080 |
| Winter storms | 96 | 0 | $6.2M | 48th of 56 | 2592nd of 3,077 |
| High wind and dust storms | 59 | 0 | – | 48th of 56 | 1935th of 3,080 |
| Tornadoes | 18 | 0 | $1.1M | 14th of 56 | 2653rd of 3,080 |
| Floods | 12 | 0 | $530K | 46th of 56 | 2979th of 3,080 |
| Heavy rain | 6 | 0 | – | 48th of 56 | 2261st of 3,080 |
| Extreme cold | 3 | 0 | – | 46th of 56 | 2797th of 3,076 |
| Wildfires | 2 | 0 | – | 39th of 56 | 1215th of 2,972 |
| Drought | 1 | 0 | – | 24th of 56 | 2481st of 3,063 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Carter County record: every hazard by year and month, the deadliest events and FEMA's declarations.