Photo: U.S. Air Force photo · Public domainOn FEMA’s figures, Malmstrom AFB faces less hazard damage per building than 90% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Malmstrom AFB gets an A for hazard risk: lower expected damage per building than 90% of U.S. towns, #4 of 42 in Montana. Most of that expected damage is river and rain flooding (91%). 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 Malmstrom AFB 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
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 Malmstrom AFB’s grade
River and rain flooding is 91% of the building damage FEMA expects in Malmstrom AFB, and Malmstrom AFB’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts.
A #4 of 42 in Montana; lower expected damage per building than 90% of U.S. towns (21,298).
Malmstrom AFB’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Montana town has lower expected damage than 54% of U.S. towns; within the state, Malmstrom AFB has less expected damage per building than 93% of Montana towns.
In dollars, FEMA expects about $1.9M a year in losses across Malmstrom AFB: $594K to buildings, the rest to people and crops.
Does Malmstrom AFB flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Malmstrom AFB. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Malmstrom AFB isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cascade County.The storms Malmstrom AFB remembers
None of the 4 disasters declared for Cascade County shows FEMA aid or repair money reaching Malmstrom AFB itself in FEMA’s records, so these are its biggest flood-claim years.
Cascade 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.
Malmstrom AFB and its neighbors
Malmstrom AFB has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Malmstrom AFB | Aless damage than 90% | river and rain flooding | 0 |
| Great Falls | B−less damage than 50% | river and rain flooding | 53 |
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 Malmstrom AFB 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.
- 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 Malmstrom AFB
Is Malmstrom AFB at risk for natural disasters?
On FEMA’s National Risk Index, Malmstrom AFB has lower expected damage per building than 90% of U.S. towns: A for hazard risk, #4 of 42 in Montana. Most of the expected damage is river and rain flooding (91%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Malmstrom AFB 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 Cascade County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Malmstrom AFB?
FEMA’s Community Rating System list shows no discount for Malmstrom AFB’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Malmstrom AFB at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (91%), and Malmstrom AFB’s rate for it is lower than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Malmstrom AFB.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Malmstrom AFB’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.