FEMA expects about as much hazard damage per building in Churchill as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Churchill gets a B for hazard risk: lower expected damage per building than 55% of U.S. towns. Most of that expected damage is river and rain flooding (50%), then earthquakes (43%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Churchill 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
Earthquakes
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.
What’s behind Churchill’s grade
River and rain flooding is 50% of the building damage FEMA expects in Churchill, and Churchill’s rate of river and rain flooding damage is lower than 71% of U.S. census tracts. Next is earthquakes at 43% (higher than 85% of U.S. census tracts).
B lower expected damage per building than 55% of U.S. towns (21,298).
All of Churchill’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $549K a year in losses across Churchill: $305K to buildings, the rest to people and crops.
Does Churchill flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Churchill. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Churchill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Gallatin County.The storms Churchill remembers
None of the 4 disasters declared for Gallatin County shows FEMA aid or repair money reaching Churchill itself in FEMA’s records, so these are its biggest flood-claim years.
Gallatin County has had 4 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 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Gallatin County, 2000–2020.
Churchill and its neighbors
Churchill has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Churchill | Bless damage than 55% | river and rain flooding | 0 |
| Amsterdam | — | 130 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.
Get ready for what Churchill faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Churchill
Is Churchill at risk for natural disasters?
On FEMA’s National Risk Index, Churchill has lower expected damage per building than 55% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (50%) and earthquakes (43%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Churchill 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 Gallatin County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Churchill?
FEMA’s Community Rating System list shows no discount for Churchill’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Churchill at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (50%), and Churchill’s rate for it is lower than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Churchill.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Churchill’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.