Stillwater County
Montana — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 17th
Stillwater County faces very low composite natural disaster risk (NRI Risk Index score 16.8, 17th national percentile), driven primarily by wildfire and avalanche exposure. Expected annual loss across all 18 hazard types is $9M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Wildfire | Low | 0.00 / yr | $1M |
| Avalanche | Very Low | 0.13 / yr | $2K |
| Landslide | Very Low | 1.39 / yr | $3K |
| Winter Weather | Low | 21.59 / yr | $96K |
| Cold Wave | Low | 2.72 / yr | $1M |
| Lightning | Low | 35.26 / yr | $226K |
| Riverine Flood | Low | 0.61 / yr | $6M |
| Earthquake | Very Low | 0.00 / yr | $144K |
| Hail | Very Low | 1.61 / yr | $158K |
| Drought | Very Low | 68.91 / yr | $19K |
| Heat Wave | Very Low | 1.19 / yr | $45K |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
| Tornado | Very Low | 0.07 / yr | $44K |
| Strong Wind | Very Low | 0.70 / yr | $56K |
| Ice Storm | Very Low | 0.01 / yr | $4K |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Hurricane | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Stillwater County?
Stillwater County has a composite FEMA National Risk Index score of 16.8 out of 100, placing it in the Very Low category and the 17th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Stillwater County?
The three highest-rated hazards are Wildfire (Low, $1M EAL), Avalanche (Very Low, $2K EAL), Landslide (Very Low, $3K EAL). These account for most of the county's expected annual losses.
How does Stillwater County compare to other Montana counties?
Stillwater County ranks #35 of 56 Montana counties for overall natural disaster risk, with a very low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Stillwater County's $9M EAL is a statistical average, not a guarantee for any specific year or address.