Natural hazards · Evergreen

Evergreen, MT natural hazards

Most of the natural-hazard damage FEMA expects in Evergreen comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 6 claims here since 1980.

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

Expected damage

How exposed is Evergreen?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Evergreen to be higher than in 83% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes42%Inland flooding34%Cold waves22%Everything else3%

By hazard

What Evergreen faces

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

Earthquakes

42% of expected damage

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

Inland flooding

34% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once a year in the area

Cold waves

22% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat 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 Evergreen flood?

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

6paid claims since 1980

$9Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Flathead County.

Disasters that hit Evergreen

Federal disasters declared here

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

Brought FEMA money into EvergreenDeclared for Flathead County only

Flathead County has had 13 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. Evergreen covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Evergreen’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Evergreen. 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 Evergreen total about $4.1M 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.