Natural hazards · Camp Three

Camp Three, MT natural hazards

Most of the natural-hazard damage FEMA expects in Camp Three comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 56 claims here since 1979.

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

Expected damage

How exposed is Camp Three?

Low

vs. U.S. communities

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

Cold waves39%Inland flooding29%Lightning14%Wildfire10%Everything else8%

By hazard

What Camp Three faces

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

Cold waves

39% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 4 times a year in the area

Inland flooding

29% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Lightning

14% of expected damage

Above average · higher than 52% of U.S. places

Wildfire

10% of expected damage

Well above average · higher than 96% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windDrought

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 Camp Three flood?

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

56paid claims since 1979

$1.2Mpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Musselshell County.

Disasters that hit Camp Three

Federal disasters declared here

None of the disasters declared for Musselshell County shows FEMA aid or repair money reaching Camp Three itself in FEMA’s records.

Brought FEMA money into Camp ThreeDeclared for Musselshell County only

Musselshell County has had 13 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. Camp Three covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Camp Three’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Camp Three. 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 Camp Three total about $1.3M 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.