Natural hazards · Bull Lake

Bull Lake, MT natural hazards

Most of the natural-hazard damage FEMA expects in Bull Lake comes from avalanches, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Bull Lake?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bull Lake to be higher than in 80% of U.S. communities, mostly from avalanches and inland flooding.

Avalanches42%Inland flooding35%Wildfire15%Cold waves6%Everything else3%

By hazard

What Bull Lake faces

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

Avalanches

42% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 8 years in the area

Inland flooding

35% of expected damage

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

Recorded about once every 2 years in the area

Wildfire

15% of expected damage

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

Cold waves

6% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 2 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesTsunamisVolcanic 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 Bull Lake flood?

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

of all homes
are insured

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

Insurance rates: Lincoln County.

Disasters that hit Bull Lake

Federal disasters declared here

None of the disasters declared for Lincoln County shows FEMA aid or repair money reaching Bull Lake itself in FEMA’s records.

Brought FEMA money into Bull LakeDeclared for Lincoln County only

Lincoln County has had 10 natural disasters declared since 1953, most often severe storms 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. Bull Lake 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 Bull Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to Bull Lake. 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.