Natural hazards · Hot Springs

Hot Springs, MT natural hazards

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

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

Expected damage

How exposed is Hot Springs?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hot Springs to be higher than in 58% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding42%Cold waves30%Earthquakes15%Everything else13%

By hazard

What Hot Springs faces

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

Inland flooding

42% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once a year in the area

Cold waves

30% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

15% of expected damage

Well above average · higher than 82% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingHurricanesTsunamisVolcanic 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 Hot Springs flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hot Springs 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 Hot Springs

Federal disasters declared here

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

Brought FEMA money into Hot SpringsDeclared 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. Hot Springs 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 Hot Springs’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hot Springs. 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.