Natural hazards · Muddy

Muddy, MT natural hazards

Most of the natural-hazard damage FEMA expects in Muddy comes from wildfires, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Muddy?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Muddy to be higher than in 91% of U.S. communities, mostly from wildfires and inland flooding.

Wildfire39%Inland flooding36%Cold waves10%Strong wind9%Everything else6%

By hazard

What Muddy faces

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

Wildfire

39% of expected damage

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

Inland flooding

36% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once a year in the area

Cold waves

10% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 3 times a year in the area

Strong wind

9% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesLightningDrought

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 Muddy flood?

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

of all homes
are insured

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

Insurance rates: Big Horn County.

Disasters that hit Muddy

Federal disasters declared here

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

Brought FEMA money into MuddyDeclared for Big Horn County only

Big Horn County has had 7 natural disasters declared since 1953, most often severe storms 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. Muddy 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 Muddy’s own flood-insurance community; household aid to the registrant’s city; repair grants to Muddy. 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.