Natural hazards · Seeley Lake

Seeley Lake, MT natural hazards

Most of the natural-hazard damage FEMA expects in Seeley Lake 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 Seeley Lake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Seeley Lake to be higher than in 71% of U.S. communities, mostly from avalanches and wildfires.

Avalanches54%Wildfire17%Inland flooding15%Cold waves8%Everything else6%

By hazard

What Seeley Lake faces

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

Avalanches

54% of expected damage

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

Recorded about once every 5 years in the area

Wildfire

17% of expected damage

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

Inland flooding

15% of expected damage

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

Recorded about once a year in the area

Cold waves

8% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 4 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 Seeley Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Seeley Lake 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 Seeley Lake

Federal disasters declared here

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

Brought FEMA money into Seeley LakeDeclared 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. Seeley Lake 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 Seeley Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to Seeley Lake. 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.