Natural hazards · Gardiner

Gardiner, MT natural hazards

Most of the natural-hazard damage FEMA expects in Gardiner comes from avalanches, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Gardiner?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gardiner to be higher than in 90% of U.S. communities, mostly from avalanches.

Avalanches82%Inland flooding10%Wildfire5%Everything else3%

By hazard

What Gardiner faces

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

Avalanches

82% of expected damage

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

Recorded about once a year in the area

Inland flooding

10% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 4 years in the area

Wildfire

5% of expected damage

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

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesTsunamis

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 Gardiner flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Park County.

Disasters that hit Gardiner

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Gardiner itself: aid to households, or repair grants to Gardiner.

Brought FEMA money into GardinerDeclared for Park County only

2022

Severe Storm and Flooding

34 households applied for aid $32K aid approved

Park County has had 12 natural disasters declared since 1953, most often floods 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. Gardiner 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 Gardiner’s own flood-insurance community; household aid to the registrant’s city; repair grants to Gardiner. 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.