Natural hazards · Thompson Falls

Thompson Falls, MT natural hazards

Most of the natural-hazard damage FEMA expects in Thompson Falls comes from inland flooding, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Thompson Falls?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Thompson Falls to be higher than in 82% of U.S. communities, mostly from inland flooding.

Inland flooding70%Wildfire10%Cold waves10%Everything else10%

By hazard

What Thompson Falls faces

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

Inland flooding

70% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once a year in the area

Wildfire

10% of expected damage

Well above average · higher than 97% of U.S. places

Cold waves

10% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 2 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Thompson Falls flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sanders County.

Disasters that hit Thompson Falls

Federal disasters declared here

None of the disasters declared for Sanders County shows FEMA aid or repair money reaching Thompson Falls itself in FEMA’s records.

Brought FEMA money into Thompson FallsDeclared for Sanders County only

Sanders County has had 13 natural disasters declared since 1953, most often fires 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. Thompson Falls 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 Thompson Falls’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Thompson Falls. 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.