Natural hazards · St. Marie

St. Marie, MT natural hazards

Most of the natural-hazard damage FEMA expects in St. Marie comes from cold waves, and overall the risk is moderate 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 St. Marie?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Marie to be higher than in 43% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves45%Inland flooding34%Hail14%Everything else6%

By hazard

What St. Marie faces

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

Cold waves

45% of expected damage

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

Recorded about 19 times a year in the area

Inland flooding

34% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 3 times a year in the area

Hail

14% of expected damage

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

Recorded about 2 times a year in the area

Lower here

TornadoesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 St. Marie flood?

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

of all homes
are insured

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

Insurance rates: Valley County.

Disasters that hit St. Marie

1 federal disaster brought FEMA money here

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

Brought FEMA money into St. MarieDeclared for Valley County only

2011

Severe Storms and Flooding

1 household applied for aid $125 aid approved

Valley County has had 11 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. St. Marie 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 St. Marie’s own flood-insurance community; household aid to the registrant’s city; repair grants to St. Marie. 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.