Natural hazards · Opheim

Opheim, MT natural hazards

Most of the natural-hazard damage FEMA expects in Opheim comes from cold waves, 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 Opheim?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Opheim to be higher than in 28% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves40%Inland flooding38%Hail17%Everything else5%

By hazard

What Opheim faces

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

Cold waves

40% of expected damage

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

Recorded about 19 times a year in the area

Inland flooding

38% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 3 times a year in the area

Hail

17% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesIce 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 Opheim flood?

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

of all homes
are insured

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

Insurance rates: Valley County.

Disasters that hit Opheim

1 federal disaster brought FEMA money here

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

Brought FEMA money into OpheimDeclared for Valley County only

2011

Severe Storms and Flooding

1 household applied for aid $581 aid approved

Valley County has had 11 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. Opheim 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 Opheim’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Opheim. 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.