Garfield County, Montana: hazard risk
FEMA rates Garfield County's overall risk Very Low (score 2.5 of 100, higher than 2% of rated U.S. counties). Its storm record holds 885 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 | 78.3 | $398K |
| Cold Wave | Relatively Low | 44.1 | $886K |
| Lightning | Relatively Low | 35.8 | $158K |
| Landslide | Very Low | 38.7 | $687 |
| Hail | Very Low | 22.9 | $96K |
| Drought | Very Low | 21.7 | $7K |
| Winter Weather | Very Low | 19.9 | $20K |
| Strong Wind | Very Low | 16.0 | $158K |
| Heat Wave | Very Low | 10.6 | $23K |
| Earthquake | Very Low | 6.4 | $7K |
| Riverine Flooding | Very Low | 5.4 | $876K |
| Tornado | Very Low | 4.2 | $16K |
| Ice Storm | Very Low | 2.2 | $985 |
| Avalanche | Very Low | 1.3 | $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 | 291 | 0 | $1.3M | 29th of 56 | 2653rd of 3,080 |
| Severe thunderstorm wind | 265 | 0 | $6.2M | 19th of 56 | 2680th of 3,080 |
| High wind and dust storms | 101 | 0 | $755K | 47th of 56 | 1887th of 3,080 |
| Winter storms | 87 | 0 | $295K | 54th of 56 | 2715th of 3,077 |
| Drought | 42 | 0 | – | 12th of 56 | 2046th of 3,063 |
| Floods | 37 | 0 | $385K | 33rd of 56 | 2847th of 3,080 |
| Extreme cold | 22 | 0 | – | 39th of 56 | 2370th of 3,076 |
| Tornadoes | 12 | 0 | $7K | 24th of 56 | 2784th of 3,080 |
| Wildfires | 10 | 0 | $6.3M | 21st of 56 | 855th of 2,972 |
| Heavy rain | 7 | 0 | – | 39th of 56 | 2086th of 3,080 |
| Heat | 4 | 0 | – | 19th of 56 | 2387th of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Garfield County record: every hazard by year and month, the deadliest events and FEMA's declarations.