Toole County, Montana: hazard risk
FEMA rates Toole County's overall risk Very Low (score 13.0 of 100, higher than 12% of rated U.S. counties). Its storm record holds 665 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 | 76.6 | $2.4M |
| Winter Weather | Relatively Low | 42.0 | $39K |
| Drought | Relatively Low | 39.8 | $52K |
| Wildfire | Very Low | 47.9 | $34K |
| Earthquake | Very Low | 29.9 | $60K |
| Landslide | Very Low | 24.6 | $151 |
| Riverine Flooding | Very Low | 17.8 | $1.8M |
| Strong Wind | Very Low | 12.7 | $81K |
| Heat Wave | Very Low | 11.4 | $18K |
| Lightning | Very Low | 9.7 | $26K |
| Avalanche | Very Low | 7.0 | $3 |
| Ice Storm | Very Low | 6.4 | $3K |
| Tornado | Very Low | 3.8 | $10K |
| Hail | Very Low | 3.5 | $6K |
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. |
|---|---|---|---|---|---|
| High wind and dust storms | 425 | 0 | $12K | 5th of 56 | 190th of 3,080 |
| Severe thunderstorm wind | 68 | 0 | $51K | 34th of 56 | 2743rd of 3,080 |
| Hail | 58 | 0 | $20K | 34th of 56 | 2680th of 3,080 |
| Winter storms | 52 | 0 | – | 47th of 56 | 2591st of 3,077 |
| Extreme cold | 43 | 0 | – | 11th of 56 | 1294th of 3,076 |
| Floods | 7 | 0 | $18K | 51st of 56 | 3001st of 3,080 |
| Tornadoes | 6 | 0 | $13K | 27th of 56 | 2811th of 3,080 |
| Heavy rain | 5 | 0 | – | 30th of 56 | 1899th 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 Toole County record: every hazard by year and month, the deadliest events and FEMA's declarations.