For wildfire, Colstrip’s building-damage rate is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Colstrip gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (82%), then wildfire (12%). Flood insurance has paid 1 claim here since 1997.
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 Colstrip 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
Wildfire
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 Colstrip’s grade
River and rain flooding is 82% of the building damage FEMA expects in Colstrip, and Colstrip’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts. Wildfire adds 12%, at a rate in the top 4% of U.S. census tracts.
C+ higher expected damage per building than 58% of U.S. towns (21,298).
All of Colstrip’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.1M a year in losses across Colstrip: $555K to buildings, the rest to people and crops.
Does Colstrip flood? Rarely: 1 flood claim since 1997
Every paid claim on a federal flood insurance policy in Colstrip, from FEMA’s records: 1.1 per 1,000 homes, fewer than 77% of the 13,809 U.S. towns with a flood insurance record.
Colstrip isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Rosebud County.1 federal disaster brought FEMA money to Colstrip
Disasters that paid out in Colstrip itself (aid to households or repair grants to the City of Colstrip), newest first, with that year’s flood claims.
- 2011Severe Storms and Flooding1 households applied for aid$3K aid approved
Rosebud 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 Rosebud County, 2012–2021.
Old photos of Colstrip after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Colstrip archive →Get ready for what Colstrip 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Colstrip
Is Colstrip at risk for natural disasters?
On FEMA’s National Risk Index, Colstrip has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (82%) and wildfire (12%). 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.
Does Colstrip flood?
Flood insurance has paid 1 claim in Colstrip since 1997, $2K in all, or 1.1 per 1,000 homes, fewer than 77% of U.S. towns with a flood insurance record.
Is Colstrip 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 Rosebud County, 50% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Colstrip?
FEMA’s Community Rating System list shows no discount for Colstrip’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Colstrip?
By FEMA money that reached Colstrip, Severe Storms and Flooding (2011): 1 households applied for aid, $3K approved.
Is Colstrip at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Colstrip’s rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Colstrip.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Colstrip’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.