Northeast Entrance Station · Photo: National Park Service inventory · Public domainStorms, floods and disasters in Silver Gate
Silver Gate isn’t graded for hazard risk: Silver Gate has 114 residents; we grade towns of 1,000 or more.
What Silver Gate 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
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.
Does Silver Gate flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Silver Gate. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Silver Gate isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Park County.1 federal disaster brought FEMA money to Silver Gate
Disasters that paid out in Silver Gate itself (aid to households or repair grants to Silver Gate), newest first, with that year’s flood claims.
- 2022Severe Storm and Flooding11 households applied for aid$21K aid approved
Park County has had 10 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Park County, 2000–2000.
Old photos of Silver Gate after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Silver Gate archive →Silver Gate and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Cooke City | — | 86 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 Silver Gate 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.
- 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 Silver Gate
Is Silver Gate 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 Park County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Silver Gate?
FEMA’s Community Rating System list shows no discount for Silver Gate’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 Silver Gate?
By FEMA money that reached Silver Gate, Severe Storm and Flooding (2022): 11 households applied for aid, $21K approved.
Storm stories
Memories, warnings and help from neighbors in Silver Gate.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Silver Gate’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.