Natural hazards · Orchard Homes

Orchard Homes, MT natural hazards

Most of the natural-hazard damage FEMA expects in Orchard Homes comes from earthquakes, and overall the risk is low for a U.S. community. Flood insurance has paid 42 claims here since 1996.

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

Expected damage

How exposed is Orchard Homes?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Orchard Homes to be higher than in 33% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes37%Inland flooding27%Cold waves27%Everything else9%

By hazard

What Orchard Homes faces

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

Earthquakes

37% of expected damage

Well above average · higher than 85% of U.S. places

Inland flooding

27% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once a year in the area

Cold waves

27% 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 wavesWildfireLandslidesStrong 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 Orchard Homes flood?

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

42paid claims since 1996

$435Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Orchard Homes 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 Orchard Homes

Federal disasters declared here

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

Brought FEMA money into Orchard HomesDeclared for Missoula County only

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. Orchard Homes covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Orchard Homes’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Orchard Homes. 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 Orchard Homes total about $2.8M 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.