Natural hazards · Lame Deer

Lame Deer, MT natural hazards

Most of the natural-hazard damage FEMA expects in Lame Deer comes from inland flooding, and overall the risk is very high 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 Lame Deer?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lame Deer to be higher than in 93% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding44%Wildfire31%Cold waves17%Everything else8%

By hazard

What Lame Deer faces

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

Inland flooding

44% of expected damage

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

Recorded about once a year in the area

Wildfire

31% of expected damage

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

Cold waves

17% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Lame Deer flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Rosebud County.

Disasters that hit Lame Deer

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Lame Deer itself: aid to households, or repair grants to Lame Deer.

Brought FEMA money into Lame DeerDeclared for Rosebud County only

2011

Severe Storms and Flooding

1 household applied for aid

Rosebud County has had 11 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. Lame Deer covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lame Deer’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lame Deer. 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 Lame Deer total about $2.3M 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.