Natural hazards · Fox Lake

Fox Lake, MT natural hazards

Most of the natural-hazard damage FEMA expects in Fox Lake comes from cold waves, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Fox Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fox Lake to be higher than in 38% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves66%Inland flooding22%Everything else11%

By hazard

What Fox Lake faces

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

Cold waves

66% of expected damage

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

Recorded about 15 times a year in the area

Inland flooding

22% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Fox Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Richland County.

Disasters that hit Fox Lake

Federal disasters declared here

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

Brought FEMA money into Fox LakeDeclared for Richland County only

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