Natural hazards · St. Mary

St. Mary, MT natural hazards

Most of the natural-hazard damage FEMA expects in St. Mary comes from cold waves, and overall the risk is moderate for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is St. Mary?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Mary to be higher than in 59% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves41%Inland flooding35%Avalanches11%Wildfire7%Everything else7%

By hazard

What St. Mary faces

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

Cold waves

41% of expected damage

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

Recorded about 9 times a year in the area

Inland flooding

35% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 4 years in the area

Avalanches

11% of expected damage

Well below average · higher than 0% of U.S. places

Recorded about once every 30 years in the area

Wildfire

7% of expected damage

Well above average · higher than 96% of U.S. places

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 St. Mary flood?

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

of all homes
are insured

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

Insurance rates: Glacier County.

Disasters that hit St. Mary

Federal disasters declared here

None of the disasters declared for Glacier County shows FEMA aid or repair money reaching St. Mary itself in FEMA’s records.

Brought FEMA money into St. MaryDeclared for Glacier County only

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

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