Natural Disaster Risk
Havre, MT
2026 Risk Report · FEMA · NOAA · USGS
Risk Score Overview— Havre
🌊 Flood Risk — Havre
Havre has a flood risk score of 61/100, classified as High. This score is derived from FEMA's National Flood Insurance Program (NFIP) claims data, flood zone designations, and NOAA precipitation records.
🌪️ Tornado Risk — Havre
Tornado risk score: 28/100 — Low. Based on NOAA Storm Events Database historical tornado tracks and frequency data.
⚡ Earthquake Risk — Havre
Earthquake risk score: 40/100 — Low. Based on USGS National Seismic Hazard Model and historical seismic event data for this region.
🔥 Wildfire Risk — Havre
Wildfire risk score: 68/100 — High. Based on USDA Forest Service wildfire risk data and historical fire perimeter records.
💰 What This Means for Home Insurance in Havre
Standard homeowners policies do not cover flood damage. Properties in FEMA flood zones may be required to purchase NFIP coverage. Flood insurance is strongly recommended in this area.
Earthquake damage is excluded from standard homeowners policies. A separate earthquake rider or policy is required.
Homeowners insurance typically covers wind and fire damage, but high-risk areas may see coverage restrictions or surcharges. Review your policy limits.
📍 Nearby Cities in Montana
❓ Frequently Asked Questions — Havre
Is Havre in a flood zone?
Havre has a flood risk score of 61/100, classified as High. Check the FEMA Flood Map Service Center for specific parcel-level flood zone designations.
Does Havre get tornadoes?
Havre has a tornado risk score of 28/100. Tornadoes are rare in this area.
What is the earthquake risk in Havre?
Havre has an earthquake risk score of 40/100 (Low), based on USGS seismic hazard assessments and historical earthquake data.
Is Havre at risk for wildfires?
Havre's wildfire risk score is 68/100 (High), reflecting proximity to wildland-urban interface areas and historical fire perimeter data.
How does natural disaster risk affect home insurance in Havre?
Areas with higher risk scores typically see higher home insurance premiums. Standard homeowners insurance does not cover floods — a separate NFIP or private flood policy is required. Earthquake damage also requires a separate rider or policy. Check with a local insurance agent for coverage recommendations specific to Havre.