Natural hazards · Belgrade

Belgrade, MT natural hazards

Most of the natural-hazard damage FEMA expects in Belgrade comes from earthquakes, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Belgrade?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Belgrade to be higher than in 46% of U.S. communities, mostly from earthquakes and cold waves.

Earthquakes41%Cold waves29%Inland flooding14%Winter weather8%Everything else9%

By hazard

What Belgrade faces

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

Earthquakes

41% of expected damage

Well above average · higher than 88% of U.S. places

Cold waves

29% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 4 times a year in the area

Inland flooding

14% of expected damage

Well below average · higher than 8% of U.S. places

Recorded about once every 2 years in the area

Winter weather

8% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 46 times a year in the area

Lower here

TornadoesHailIce stormsHeat wavesWildfireLandslidesStrong 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 Belgrade flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gallatin County.

Disasters that hit Belgrade

1 federal disaster brought FEMA money here

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

Brought FEMA money into BelgradeDeclared for Gallatin County only

2001

Severe Winter Storms

$7K to the City of Belgrade for repairs

Gallatin County has had 7 natural disasters declared since 1953, most often fires and severe storms.

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. Belgrade covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Belgrade’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Belgrade. 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 Belgrade total about $3.6M 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.