Three Forks of the Missouri · Photo: Mike Cline · Public domainFEMA puts Three Forks’s expected hazard damage per building above that of 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Three Forks gets a C for hazard risk: higher expected damage per building than 74% of U.S. towns. Most of that expected damage is river and rain flooding (54%), then earthquakes (37%). 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 Three Forks 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 Three Forks’ grade
River and rain flooding is 54% of the building damage FEMA expects in Three Forks, and Three Forks’ rate of river and rain flooding damage is higher than 61% of U.S. census tracts. Wildfire adds 5%, at a rate in the top 6% of U.S. census tracts.
C higher expected damage per building than 74% of U.S. towns (21,298).
All of Three Forks’ residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $5.5M a year in losses across Three Forks: $980K to buildings, the rest to people and crops.
Does Three Forks flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Three Forks. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Three Forks is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Gallatin County.The storms Three Forks remembers
None of the 4 disasters declared for Gallatin County shows FEMA aid or repair money reaching Three Forks 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.
Get ready for what Three Forks 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.
- Three Forks residents get 10% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Three Forks
Is Three Forks at risk for natural disasters?
On FEMA’s National Risk Index, Three Forks has higher expected damage per building than 74% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (54%) and earthquakes (37%). 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 Three Forks 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 Three Forks?
Three Forks is in FEMA’s Community Rating System (class 8), which takes 10% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Three Forks at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (54%), and Three Forks’ rate for it is higher than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Three Forks.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Three Forks’ 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.