Phillips County, Montana: hazard risk
FEMA rates Phillips County's overall risk Very Low (score 34.5 of 100, higher than 34% of rated U.S. counties). Its storm record holds 1,330 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 |
|---|---|---|---|
| Cold Wave | Relatively Moderate | 85.9 | $3.7M |
| Winter Weather | Relatively Moderate | 68.5 | $86K |
| Lightning | Relatively Moderate | 64.5 | $282K |
| Wildfire | Relatively Low | 67.7 | $103K |
| Riverine Flooding | Relatively Low | 39.8 | $3.4M |
| Landslide | Very Low | 43.7 | $607 |
| Drought | Very Low | 27.9 | $13K |
| Hail | Very Low | 26.6 | $70K |
| Heat Wave | Very Low | 20.6 | $46K |
| Earthquake | Very Low | 15.1 | $11K |
| Strong Wind | Very Low | 8.7 | $44K |
| Tornado | Very Low | 7.8 | $29K |
| Ice Storm | Very Low | 7.4 | $3K |
| Avalanche | Very Low | 3.9 | $1 |
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 | 276 | 0 | $497K | 35th of 56 | 2683rd of 3,080 |
| High wind and dust storms | 256 | 0 | $84K | 32nd of 56 | 1308th of 3,080 |
| Severe thunderstorm wind | 250 | 0 | $675K | 30th of 56 | 2733rd of 3,080 |
| Winter storms | 213 | 0 | $348K | 50th of 56 | 2620th of 3,077 |
| Drought | 129 | 0 | – | 11th of 56 | 1975th of 3,063 |
| Extreme cold | 69 | 0 | – | 27th of 56 | 1932nd of 3,076 |
| Floods | 55 | 0 | $46K | 20th of 56 | 2747th of 3,080 |
| Heavy rain | 14 | 0 | – | 29th of 56 | 1887th of 3,080 |
| Tornadoes | 14 | 0 | $2.5M | 22nd of 56 | 2774th of 3,080 |
| Heat | 7 | 0 | – | 22nd of 56 | 2468th of 3,076 |
| Wildfires | 7 | 0 | – | 30th of 56 | 1048th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Phillips County record: every hazard by year and month, the deadliest events and FEMA's declarations.