Natural hazards · Carter

Carter, MT natural hazards

Most of the natural-hazard damage FEMA expects in Carter comes from inland flooding, 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 Carter?

Very high

vs. U.S. communities

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

Inland flooding63%Cold waves23%Avalanches9%Everything else5%

By hazard

What Carter faces

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

Inland flooding

63% of expected damage

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

Recorded about once every 4 years in the area

Cold waves

23% of expected damage

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

Recorded about 9 times a year in the area

Avalanches

9% of expected damage

Well below average · higher than 0% of U.S. places

Recorded about once every 30 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Carter flood?

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

of all homes
are insured

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

Insurance rates: Chouteau County.

Disasters that hit Carter

Federal disasters declared here

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

Brought FEMA money into CarterDeclared for Chouteau County only

Chouteau County has had 8 natural disasters declared since 1953, most often severe storms and floods.

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. Carter 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 Carter’s own flood-insurance community; household aid to the registrant’s city; repair grants to Carter. 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.