Natural hazards · Heron

Heron, MT natural hazards

Most of the natural-hazard damage FEMA expects in Heron comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Heron?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Heron to be higher than in 77% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding65%Wildfire17%Cold waves9%Everything else9%

By hazard

What Heron faces

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

Inland flooding

65% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once a year in the area

Wildfire

17% of expected damage

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

Cold waves

9% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 2 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingHurricanesDroughtTsunamisVolcanic 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 Heron flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sanders County.

Disasters that hit Heron

Federal disasters declared here

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

Brought FEMA money into HeronDeclared for Sanders County only

Sanders County has had 13 natural disasters declared since 1953, most often fires and floods.

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