Natural hazards · Roy

Roy, MT natural hazards

Most of the natural-hazard damage FEMA expects in Roy 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 Roy?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Roy to be higher than in 29% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves49%Inland flooding37%Everything else14%

By hazard

What Roy faces

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

Cold waves

49% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 9 times a year in the area

Inland flooding

37% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

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 Roy flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fergus County.

Disasters that hit Roy

1 federal disaster brought FEMA money here

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

Brought FEMA money into RoyDeclared for Fergus County only

2011

Severe Storms and Flooding

5 households applied for aid $14K aid approved

Fergus County has had 8 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. Roy 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 Roy’s own flood-insurance community; household aid to the registrant’s city; repair grants to Roy. 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.