Natural hazards · Hardin

Hardin, MT natural hazards

Most of the natural-hazard damage FEMA expects in Hardin comes from inland flooding, and overall the risk is low 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 Hardin?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardin to be higher than in 36% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding32%Strong wind23%Cold waves19%Wildfire13%Lightning6%Everything else7%

By hazard

What Hardin faces

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

Inland flooding

32% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Strong wind

23% of expected damage

Below average · higher than 28% of U.S. places

Recorded about once a year in the area

Cold waves

19% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 3 times a year in the area

Wildfire

13% of expected damage

Well above average · higher than 97% of U.S. places

Lightning

6% of expected damage

Above average · higher than 54% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesDrought

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 Hardin flood?

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

of all homes
are insured

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

Insurance rates: Big Horn County.

Disasters that hit Hardin

1 federal disaster brought FEMA money here

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

Brought FEMA money into HardinDeclared for Big Horn County only

2011

Severe Storms and Flooding

50 households applied for aid $135K aid approved $20K to the City of Hardin for repairs

Big Horn County has had 7 natural disasters declared since 1953, most often severe storms and fires.

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. Hardin 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 Hardin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hardin. 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.