Natural hazards · Lima

Lima, MT natural hazards

Most of the natural-hazard damage FEMA expects in Lima comes from avalanches, 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 Lima?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lima to be higher than in 75% of U.S. communities, mostly from avalanches and inland flooding.

Avalanches41%Inland flooding33%Wildfire10%Earthquakes8%Cold waves6%Everything else3%

By hazard

What Lima faces

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

Avalanches

41% of expected damage

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

Recorded about once every 8 years in the area

Inland flooding

33% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 6 years in the area

Wildfire

10% of expected damage

Well above average · higher than 97% of U.S. places

Earthquakes

8% of expected damage

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

Cold waves

6% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 3 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesTsunamis

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 Lima flood?

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

of all homes
are insured

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

Insurance rates: Beaverhead County.

Disasters that hit Lima

Federal disasters declared here

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

Brought FEMA money into LimaDeclared for Beaverhead County only

Beaverhead County has had 4 natural disasters declared since 1953, most often fires and hurricanes.

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