Natural hazards · Philipsburg

Philipsburg, MT natural hazards

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

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

Expected damage

How exposed is Philipsburg?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Philipsburg to be higher than in 69% of U.S. communities, mostly from avalanches and wildfires.

Avalanches35%Wildfire25%Inland flooding24%Cold waves9%Everything else7%

By hazard

What Philipsburg faces

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

Avalanches

35% of expected damage

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

Recorded about once every 5 years in the area

Wildfire

25% of expected damage

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

Inland flooding

24% of expected damage

Above average · higher than 53% of U.S. places

Recorded about once every 4 years in the area

Cold waves

9% of expected damage

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

Recorded about 3 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesTsunamisVolcanic 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 Philipsburg flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Granite County.

Disasters that hit Philipsburg

Federal disasters declared here

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

Brought FEMA money into PhilipsburgDeclared for Granite County only

Granite County has had 6 natural disasters declared since 1953, most often fires and floods.

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