Natural hazards · Lolo

Lolo, MT natural hazards

Most of the natural-hazard damage FEMA expects in Lolo comes from inland flooding, and overall the risk is low 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 Lolo?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lolo to be higher than in 31% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding41%Cold waves39%Wildfire9%Everything else12%

By hazard

What Lolo faces

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

Inland flooding

41% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Cold waves

39% of expected damage

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

Recorded about 4 times a year in the area

Wildfire

9% of expected damage

Well above average · higher than 96% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Lolo flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Missoula County.

Disasters that hit Lolo

1 federal disaster brought FEMA money here

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

Brought FEMA money into LoloDeclared for Missoula County only

2011

Severe Storms and Flooding

1 household applied for aid

Missoula County has had 19 natural disasters declared since 1953, most often fires 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. Lolo covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lolo’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lolo. 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 Lolo total about $709K 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.