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Set your location on the Montana page to see live conditions for your area.
What's actually likely where you live.
Before the emergency — maps, tools, and the honest picture of what Montana throws at different parts of the state.
See MT hazardsMT hazard profile
Montana burns heavily every summer. The 2017 fire season burned 1.3 million acres statewide — one of the worst on record. The 2021 Richard Spring Fire burned 150,000 acres in eastern Montana in days. The Bitterroot Valley, Flathead Valley, and the Rocky Mountain Front face serious annual fire exposure. Western Montana's conifer forests and eastern Montana's dry grasslands carry completely different but equally dangerous fire behavior. The June 2022 Yellowstone River flood was the worst in recorded history — caused by record snowpack and a warm rainfall event. It destroyed roads, bridges, and structures throughout the Yellowstone watershed, cut off Gardner and the northern Yellowstone gateway for weeks, and caused $200M+ in damage. The Flathead, Clark Fork, and Missouri rivers all flood regularly in spring snowmelt. The 1964 flood on the Sun River killed 30 people. Montana's Hi-Line and eastern plains face some of the most brutal cold in the continental US. Cut Bank, Havre, and Malta regularly see -40°F with wind chills below -60°F. Arctic outbreaks push temperatures across the entire state to dangerous levels multiple times each winter. The Rocky Mountain Front's Chinook winds can produce 50°F temperature swings in hours — from -20°F to 30°F — creating dangerous ice conditions.
Dry conditions, wind, and vegetation combine to create serious wildfire risk, particularly in dry seasons.
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Flash floods, river flooding, and coastal surge affect low-lying areas and river corridors.
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Ice accumulation causes prolonged power outages and road closures across the state.
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Seismic activity along fault systems creates significant ground-shaking risk.
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Official tools
Enter your address to see your flood zone designation and insurance requirements.
Source: FEMA
Real-time earthquake activity and seismic hazard maps for your region.
Source: USGS
Your property's wildfire exposure score based on vegetation, terrain, and proximity to wildland.
Source: USFS
Real-time river levels and flood stage by county.
Source: USGS WaterWatch
Weekly drought conditions by county.
Source: US Drought Monitor
Water quality guidance for households on private wells.
Source: EPA
Insurance gaps
Standard homeowner's policies in Montana exclude flood damage. Flood insurance through the NFIP has a 30-day waiting period — it cannot be purchased when a storm is forecast. Check your declarations page annually to confirm your coverage limits and deductibles.
Not in your standard policy
Flood damage — requires NFIP or private flood policy
Earthquake damage — requires separate endorsement
Sewer & drain backup — requires endorsement ($50–$100/yr)
Landslide / mudflow — generally excluded
Next steps
During an emergency
NC emergency contacts, alert signups, and real-time information.
Local EmergencyGet prepared
Step-by-step actions based on the hazards that apply to Montana.
MT Checklists