Havre, MT natural hazards
Most of the natural-hazard damage FEMA expects in Havre comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1978. 3 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Havre?
FEMA expects yearly storm and flood damage to homes and buildings in Havre to be higher than in 30% of U.S. communities, mostly from cold waves and inland flooding.
What Havre faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Cold waves
Inland flooding
Lower here
Not a risk here
Does Havre flood?
Every paid claim on a federal flood insurance policy in Havre, from FEMA’s records.
are insured
3 federal disasters brought FEMA money here
Disasters the President declared that paid out in Havre itself: aid to households, or repair grants to the City of Havre.
Severe Storms and Flooding
Severe Storms and Flooding
Severe Storms and Flooding
Havre and the towns around it
How to read this page
FEMA’s expected losses across Havre total about $1.4M 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.