Natural hazards · Whitlash

Whitlash, MT natural hazards

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

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

Expected damage

How exposed is Whitlash?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Whitlash to be higher than in 39% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves49%Inland flooding44%Everything else7%

By hazard

What Whitlash faces

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

Cold waves

49% of expected damage

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

Recorded about 10 times a year in the area

Inland flooding

44% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 14 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Whitlash flood?

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

of all homes
are insured

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

Insurance rates: Liberty County.

Disasters that hit Whitlash

Federal disasters declared here

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

Brought FEMA money into WhitlashDeclared for Liberty County only

Liberty County has had 8 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. Whitlash 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 Whitlash’s own flood-insurance community; household aid to the registrant’s city; repair grants to Whitlash. 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.