Stillwater County, Montana: hazard risk
FEMA rates Stillwater County's overall risk Very Low (score 16.8 of 100, higher than 16% of rated U.S. counties). Its storm record holds 984 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 | 87.1 | $1.3M |
| Winter Weather | Relatively Low | 51.5 | $96K |
| Cold Wave | Relatively Low | 43.4 | $1.1M |
| Lightning | Relatively Low | 39.8 | $226K |
| Riverine Flooding | Relatively Low | 36.2 | $6.1M |
| Avalanche | Very Low | 61.3 | $2K |
| Landslide | Very Low | 56.9 | $3K |
| Earthquake | Very Low | 33.7 | $144K |
| Hail | Very Low | 28.7 | $158K |
| Drought | Very Low | 25.4 | $19K |
| Heat Wave | Very Low | 14.2 | $45K |
| Volcanic Activity | Very Low | 8.1 | $0 |
| Tornado | Very Low | 6.6 | $44K |
| Strong Wind | Very Low | 5.8 | $56K |
| Ice Storm | Very Low | 5.4 | $4K |
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. |
|---|---|---|---|---|---|
| Winter storms | 455 | 4 | – | 8th of 56 | 819th of 3,077 |
| High wind and dust storms | 208 | 0 | $18K | 10th of 56 | 333rd of 3,080 |
| Hail | 185 | 0 | $10K | 9th of 56 | 2407th of 3,080 |
| Severe thunderstorm wind | 78 | 0 | $995K | 26th of 56 | 2705th of 3,080 |
| Floods | 20 | 0 | $3.6M | 21st of 56 | 2749th of 3,080 |
| Wildfires | 16 | 1 | $894K | 2nd of 56 | 330th of 2,972 |
| Landslides and avalanches | 10 | 10 | – | 4th of 56 | 138th of 2,278 |
| Heavy rain | 5 | 0 | – | 45th of 56 | 2191st of 3,080 |
| Drought | 3 | 0 | – | 17th of 56 | 2464th of 3,063 |
| Extreme cold | 1 | 0 | – | 49th of 56 | 2837th of 3,076 |
| Tornadoes | 1 | 0 | – | 50th of 56 | 2952nd of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Stillwater County record: every hazard by year and month, the deadliest events and FEMA's declarations.