Natural hazards · Melstone

Melstone, MT natural hazards

Most of the natural-hazard damage FEMA expects in Melstone comes from wildfires, and overall the risk is 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 Melstone?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Melstone to be higher than in 72% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire35%Inland flooding29%Cold waves23%Lightning7%Everything else7%

By hazard

What Melstone faces

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

Wildfire

35% of expected damage

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

Inland flooding

29% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once a year in the area

Cold waves

23% of expected damage

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

Recorded about 4 times a year in the area

Lightning

7% of expected damage

Above average · higher than 51% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windDrought

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 Melstone flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Musselshell County.

Disasters that hit Melstone

1 federal disaster brought FEMA money here

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

Brought FEMA money into MelstoneDeclared for Musselshell County only

2011

Severe Storms and Flooding

15 households applied for aid $30K aid approved $4K to the Town of Melstone for repairs

Musselshell County has had 13 natural disasters declared since 1953, most often floods and fires.

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