Natural hazards · Spokane Creek

Spokane Creek, MT natural hazards

Most of the natural-hazard damage FEMA expects in Spokane Creek comes from inland flooding, 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 Spokane Creek?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spokane Creek to be higher than in 61% of U.S. communities, mostly from inland flooding and avalanches.

Inland flooding36%Avalanches21%Cold waves17%Earthquakes9%Lightning8%Everything else10%

By hazard

What Spokane Creek faces

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

Inland flooding

36% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 6 years in the area

Avalanches

21% of expected damage

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

Recorded about once every 30 years in the area

Cold waves

17% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

9% of expected damage

Well above average · higher than 81% of U.S. places

Lightning

8% of expected damage

Above average · higher than 56% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windDrought

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 Spokane Creek flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Broadwater County.

Disasters that hit Spokane Creek

Federal disasters declared here

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

Brought FEMA money into Spokane CreekDeclared for Broadwater County only

Broadwater County has had 10 natural disasters declared since 1953, most often severe storms and fires.

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. Spokane Creek 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 Spokane Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to Spokane Creek. 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.