Natural hazards · Mountain Home

Mountain Home, ID natural hazards

Most of the natural-hazard damage FEMA expects in Mountain Home comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2017.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Mountain Home?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mountain Home to be higher than in 27% of U.S. communities, mostly from inland flooding.

Inland flooding51%Strong wind14%Heat waves13%Wildfire10%Everything else12%

By hazard

What Mountain Home faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

51% of expected damage

Below average · higher than 47% of U.S. places

Recorded about once a year in the area

Strong wind

14% of expected damage

Below average · higher than 32% of U.S. places

Recorded about once every 3 years in the area

Heat waves

13% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 4 times a year in the area

Wildfire

10% of expected damage

Well above average · higher than 95% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesEarthquakesLandslidesLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamis

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Mountain Home flood?

Every paid claim on a federal flood insurance policy in Mountain Home, from FEMA’s records.

2paid claims since 2017

$4Kpaid to owners

0homes flooded more than once

20172026

of all homes
are insured

No community discount. Mountain Home isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Elmore County.

Disasters that hit Mountain Home

Federal disasters declared here

None of the disasters declared for Elmore County shows FEMA aid or repair money reaching Mountain Home itself in FEMA’s records.

Brought FEMA money into Mountain HomeDeclared for Elmore County only

Elmore County has had 9 natural disasters declared since 1953, most often floods and fires.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Mountain Home covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Mountain Home’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Mountain Home. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Mountain Home total about $1.4M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.