Natural hazards · Florence

Florence, MT natural hazards

Most of the natural-hazard damage FEMA expects in Florence comes from wildfires, 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 Florence?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Florence to be higher than in 86% of U.S. communities, mostly from wildfires and avalanches.

Wildfire37%Avalanches30%Inland flooding15%Cold waves14%Everything else5%

By hazard

What Florence faces

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

Wildfire

37% of expected damage

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

Avalanches

30% of expected damage

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

Recorded about once every 6 years in the area

Inland flooding

15% of expected damage

Above average · higher than 53% of U.S. places

Recorded about once a year in the area

Cold waves

14% of expected damage

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

Recorded about 3 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 Florence flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ravalli County.

Disasters that hit Florence

Federal disasters declared here

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

Brought FEMA money into FlorenceDeclared for Ravalli County only

Ravalli County has had 11 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. Florence 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 Florence’s own flood-insurance community; household aid to the registrant’s city; repair grants to Florence. 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.