Natural hazards · Lockwood

Lockwood, MT natural hazards

Most of the natural-hazard damage FEMA expects in Lockwood comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 7 claims here since 1997.

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

Expected damage

How exposed is Lockwood?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lockwood to be higher than in 8% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding44%Cold waves37%Everything else20%

By hazard

What Lockwood 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 below average · higher than 21% of U.S. places

Recorded about once a year in the area

Cold waves

37% of expected damage

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

Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Lockwood flood?

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

7paid claims since 1997

$204Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

Yellowstone Flooding: 1 claim, $118K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Yellowstone County.

Disasters that hit Lockwood

Federal disasters declared here

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

Brought FEMA money into LockwoodDeclared for Yellowstone County only

Yellowstone County has had 12 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. Lockwood covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lockwood’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Lockwood. 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 Lockwood total about $1.4M 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.