–Not graded

Natural hazards in Camp Three · FEMA

Storms, floods and disasters in Camp Three

Camp Three isn’t graded for hazard risk: Camp Three has 139 residents; we grade towns of 1,000 or more. Flood insurance has paid 56 claims here since 1979.

Flood claims

paid since 1979 · $1.2M

Disasters paid out here

of 9 declared for Musselshell County

By hazard

What Camp Three faces

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

River and rain flooding

67%of expected building damage

Below average · lower than 68% of U.S. census tracts

Recorded about once a year in the area

Wildfire

22%of expected building damage

Well above average · in the top 4% of U.S. census tracts

Smaller shares here

Hail Winter storms top 2% Tornadoes Earthquakes Strong wind Cold waves Ice storms Lightning Heat waves Landslides

FEMA models no building damage here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 39% of Camp Three’s expected losses. Cold waves do little damage to buildings (0.2%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

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 Camp Three flood? Sometimes: 56 flood claims since 1979

Every paid claim on a federal flood insurance policy in Camp Three, from FEMA’s records.

Paid flood claims, by year

197920112014

19792026

paid claims since 1979

$1.2M

paid to owners

homes flooded more than once

$21K

average claim

of homes in flood zones are insured

of all homes are insured

No community discount

Camp Three isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Musselshell County.

Disasters

The storms Camp Three remembers

None of the 9 disasters declared for Musselshell County shows FEMA aid or repair money reaching Camp Three itself in FEMA’s records, so these are its biggest flood-claim years.

197926 flood claims paidNo declaration for the county that year
201125 flood claims paidThe year of Severe Storms and Flooding, declared for Musselshell County
20145 flood claims paidThe year of Severe Storms, Straight-line Winds, and Flooding, declared for Musselshell County

Disasters declared, by decade

Paid out in Camp ThreeMusselshell County only

Musselshell County has had 9 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Musselshell County, 1999–2020.

Were you here?

Old photos of Camp Three after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Camp Three archive →

Next door

Camp Three and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

RoundupKleinCamp Three

Lowest fifthSecondMiddleFourthHighest fifth

Town	Hazard risk	Mostly (buildings)	Flood claims
Roundup	B⁺less damage than 74%	river and rain flooding	45
Klein	—	340 residents; we grade 1,000+

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Camp Three faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises

Turn around at flooded roads: a foot of moving water can carry off a car.
Flood insurance usually takes 30 days to start, so buy it before the forecast.
Keep papers and medicines up high, in a grab-and-go bag.

Questions about natural hazards in Camp Three

Does Camp Three flood?

Flood insurance has paid 56 claims in Camp Three since 1979, $1.2M in all.

Is Camp Three in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Musselshell County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Camp Three?

FEMA’s Community Rating System list shows no discount for Camp Three’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Storm stories

Memories, warnings and help from neighbors in Camp Three.

Town Square →

Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Camp Three’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.

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