Natural hazards · Baker

Baker, MT natural hazards

Most of the natural-hazard damage FEMA expects in Baker comes from cold waves, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Baker?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Baker to be higher than in 30% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves61%Inland flooding25%Everything else15%

By hazard

What Baker faces

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

Cold waves

61% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 8 times a year in the area

Inland flooding

25% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

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 Baker flood?

FEMA's records show no paid flood insurance claims in Baker.

of all homes
are insured

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

Insurance rates: Fallon County.

Disasters that hit Baker

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Baker itself: aid to households, or repair grants to the City of Baker.

Brought FEMA money into BakerDeclared for Fallon County only

2016

Tornado

$610K to the City of Baker for repairs

2011

Severe Storms and Flooding

61 households applied for aid $152K aid approved $91K to the City of Baker for repairs

Fallon County has had 6 natural disasters declared since 1953, most often severe storms and tornadoes.

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. Baker is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.