Natural hazards · Havre North

Havre North, MT natural hazards

Most of the natural-hazard damage FEMA expects in Havre North comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1979.

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

Expected damage

How exposed is Havre North?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Havre North to be higher than in 35% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves57%Inland flooding36%Everything else7%

By hazard

What Havre North faces

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

Cold waves

57% of expected damage

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

Recorded about 12 times a year in the area

Inland flooding

36% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once every 5 years 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 Havre North flood?

Every paid claim on a federal flood insurance policy in Havre North, from FEMA’s records.

3paid claims since 1979

$3Kpaid to owners

0homes flooded more than once

19792026

of all homes
are insured

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

Insurance rates: Hill County.

Disasters that hit Havre North

Federal disasters declared here

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

Brought FEMA money into Havre NorthDeclared for Hill County only

Hill County has had 11 natural disasters declared since 1953, most often severe storms and floods.

Around Havre North

Havre North and the towns around it

Very lowLowModerateHighVery high

Havre Northmostly cold wavesLow

Havremostly cold wavesLow

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. Havre North covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Havre North’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Havre North. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Havre North total about $2.7M a year, counting buildings, people and crops.

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.