Natural hazards · Gibson Flats

Gibson Flats, MT natural hazards

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

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

Expected damage

How exposed is Gibson Flats?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gibson Flats to be higher than in 13% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves49%Inland flooding36%Winter weather5%Everything else10%

By hazard

What Gibson Flats faces

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

Cold waves

49% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 8 times a year in the area

Inland flooding

36% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Winter weather

5% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 45 times a year in the area

Lower here

TornadoesHailIce stormsHeat 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 Gibson Flats flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cascade County.

Disasters that hit Gibson Flats

Federal disasters declared here

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

Brought FEMA money into Gibson FlatsDeclared for Cascade County only

Cascade County has had 5 natural disasters declared since 1953, most often floods and severe storms.

Around Gibson Flats

Gibson Flats and the towns around it

Very lowLowModerateHighVery high

Great Fallsmostly cold wavesModerate

Gibson Flatsmostly cold wavesVery low

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. Gibson Flats 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 Gibson Flats’s own flood-insurance community; household aid to the registrant’s city; repair grants to Gibson Flats. 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.