Natural hazards · Pray

Pray, MT natural hazards

Most of the natural-hazard damage FEMA expects in Pray comes from avalanches, and overall the risk is very 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 Pray?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pray to be higher than in 83% of U.S. communities, mostly from avalanches and inland flooding.

Avalanches66%Inland flooding17%Wildfire10%Everything else8%

By hazard

What Pray faces

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

Avalanches

66% of expected damage

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

Recorded about once a year in the area

Inland flooding

17% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 4 years in the area

Wildfire

10% of expected damage

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

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesTsunamis

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 Pray flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Park County.

Disasters that hit Pray

1 federal disaster brought FEMA money here

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

Brought FEMA money into PrayDeclared for Park County only

2022

Severe Storm and Flooding

4 households applied for aid $2K aid approved

Park County has had 12 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. Pray 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 Pray’s own flood-insurance community; household aid to the registrant’s city; repair grants to Pray. 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.