Natural hazards · Culbertson

Culbertson, MT natural hazards

Most of the natural-hazard damage FEMA expects in Culbertson comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 1998.

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

Expected damage

How exposed is Culbertson?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Culbertson to be higher than in 12% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves54%Inland flooding24%Strong wind7%Everything else14%

By hazard

What Culbertson faces

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

Cold waves

54% of expected damage

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

Recorded about 18 times a year in the area

Inland flooding

24% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once a year in the area

Strong wind

7% of expected damage

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

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Culbertson flood?

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

2paid claims since 1998

$11Kpaid to owners

0homes flooded more than once

19982026

of all homes
are insured

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

Insurance rates: Roosevelt County.

Disasters that hit Culbertson

Federal disasters declared here

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

Brought FEMA money into CulbertsonDeclared for Roosevelt County only

Roosevelt County has had 5 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. Culbertson 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 Culbertson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Culbertson. 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.