Natural hazards · Livingston

Livingston, MT natural hazards

Most of the natural-hazard damage FEMA expects in Livingston comes from avalanches, and overall the risk is high for a U.S. community. Flood insurance has paid 9 claims here since 1996. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Livingston?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Livingston to be higher than in 67% of U.S. communities, mostly from avalanches.

Avalanches69%Inland flooding15%Cold waves8%Earthquakes5%Everything else4%

By hazard

What Livingston faces

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

Avalanches

69% of expected damage

Well below average · higher than 0% of U.S. places

Recorded about once every 2 years in the area

Inland flooding

15% of expected damage

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

Recorded about once every 4 years in the area

Cold waves

8% of expected damage

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

Recorded about 4 times a year in the area

Earthquakes

5% of expected damage

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

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

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 Livingston flood?

Every paid claim on a federal flood insurance policy in Livingston, from FEMA’s records.

9paid claims since 1996

$77Kpaid to owners

1homes flooded more than once

19962026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Park County.

What’s been done with FEMA grants

1homes raised above flood level

Disasters that hit Livingston

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Livingston itself: aid to households, or repair grants to the City of Livingston.

Brought FEMA money into LivingstonDeclared for Park County only

2022

Severe Storm and Flooding

174 households applied for aid $881K aid approved $555K to the City of Livingston for repairs

2014

Ice Jams and Flooding

$44K to the City of Livingston for repairs

2011

Severe Storms and Flooding

22 households applied for aid $21K aid approved $118K to the City of Livingston for repairs

Park County has had 12 natural disasters declared since 1953, most often floods and severe storms.

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. Livingston covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Livingston’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Livingston. 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 Livingston total about $16.8M 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.