Montana
‘Layered, adaptive’ wildfire insurance approach needed in Montana
Jordan Hansen
(Daily Montanan) Calling rising wildfire insurance rates an “urgent challenge,” a Headwaters Economics and Columbia Climate School report released this month points to potential approaches to address the financial burden on Montana property owners.
Nationwide, property insurance rates are rising — but they’re doing so even faster in areas with “climate-related perils” according to a report published by the U.S. Treasury Department at the beginning of this year.
Non-renewal of policies is also an issue and that same Treasury report found that in areas with “the highest expected losses from climate-related perils,” non-renewals of property insurance coverage were more common.
The Headwaters report looks at five strategies that could be employed to help communities in high-risk areas find insurance. These approaches include community risk pooling, ideas pulled from agriculture insurance and large-scale state reform.
According to the state’s insurance commissioner, James Brown, the state could see the fifth-highest state increase in property insurance increases this year, citing a National Association of Realtors report. Montana policy holders paid a little more than $4 billion in premiums in 2013, that number in 2022 was almost $7.4 billion, according to the National Association of Insurance Commissioners.
He pointed to escalating fire risk in a May letter as part of the problem.
“First, wildfires have become more frequent and intense. Nearly 70% of all wildfires recorded in Montana have occurred since 2000,” Brown wrote. “These longer-lasting, more destructive fires dramatically increase the risk to homes, pushing insurance rates higher. Second, Montana’s scenic appeal and lifestyle continue to attract new residents, inflating property values and replacement costs — thereby driving up premiums.”
He went on to write that half of all properties in Montana are “at risk of catastrophic wildfire damage.”
‘Ability to financially rebound’
About 75,000 acres burned in Montana this year with one main residence, according to the state’s Department of Natural Resources and Conservation. Fires involving large numbers of structure losses — such as the Eaton and Palisades fires around Los Angeles earlier this year — have become more common and the economic losses are staggering.
Montana has seen some fires that have destroyed homes, including the 2021 fire in Denton and the Bridger Foothills Fire in 2020.
According to a 2023 Department of Interior report, the annual burden of wildfires on the U.S. Economy was between “$71 billion to $348 billion in 2016 dollars ($87 billion to $424 billion in 2022 dollars).” The same report said there are “huge” data gaps around “property damage, loss of life, and healthcare costs.”
Tens of millions are spent on fire suppression and mitigation in Montana each year and nationally, suppression costs consistently ring in at well over a billion dollars annually.
But even with the suppression and mitigation efforts, communities can struggle when faced with a fire disaster.
“As the protection gap expands between those with insured losses and those without, a community’s ability to financially rebound is weakened, municipal revenue flows including property taxes may be diminished, and significant federal investment may be needed to offset recovery and rebuilding costs,” the Headwaters report reads.
It also cautions that no single strategy will solve all problems and goes on to say a, “layered, adaptive, and equity-focused framework,” will be needed to address insurance issues caused by wildfires. Additionally, the report does not cover renters nor the “unique” experiences of Native Americans living on tribal reservations.
“Land inside reservations may have unique ownership structures and be subject to federal oversight in ways that interfere with private sector insurance coverage, and tribes have long contended with additional administrative barriers to public support systems,” the report reads.
‘Reducing their own risk’
The report suggests five “new pathways” for insurance in the state, which are: voluntary certification programs, community-based catastrophe insurance, parametric policies, FAIR state plans (insurance of last resort), and state regulatory reform.
The report discusses the benefits and drawbacks of each approach, as well as examples from other states that have utilized some of those ideas. FAIR plans have been implemented in Florida, for example, while parametric policies essentially model agricultural drought insurance.
Voluntary certification is the idea that’s gained the most traction, said Kimi Barrett, a lead wildfire research and policy analyst at Headwaters. Barrett, along with Columbia Climate School’s Lisa Dale, authored the report.
Voluntary certification, where citizens do specific things to reduce fire risk on their property in tandem with others in their community, leans into the idea of home and community hardening, an approach conservation groups applaud.
Some scientists have argued the root of the wildfire issue is actually a structural ignition problem and that losses could be lessened by better building codes and materials.
These types of policies have mostly been done in western parts of the country.
“It’s modeled off of what hurricane mitigation is required in places like Alabama and elsewhere, where it’s essentially a fortification of a home to that hazard,” Barrett said. “And in doing so, demonstrating to insurance providers that the risk has been reduced enough to meet criteria for insurance retainment moving forward.”
Colorado has modeled this policy, passing a statewide fire code this year that made a home-hardening inspection mandatory at point of sale. The report also found there are potentially psychological factors to consider within the voluntary certification program.
“Shifting residents’ current expectations of external support, including home protection from firefighters, disaster relief from FEMA, and insurance as a buffer from loss will take a concentrated effort,” the report reads. “When homeowners accept personal responsibility for reducing their own risk, they may find the costs associated with home hardening to be more acceptable. Fostering this mindset change will take significant public outreach.”
‘A house in the country’
However, population trends show that people keep moving to and building in fire-prone areas.
According to the Montana Environmental Information Center, the number of new homes built in wildfire-prone areas doubled between 1990 and 2020.
Areas like the Bitterroot and Flathead Valleys are particularly vulnerable, even as southwestern Montana has exploded in population. Grass fires in Montana are a concern too, as evidenced by the fire that swept through Denton in 2021.
“Everyone wants a house in the country, right? It’s beautiful, and yet we created the imperfect storm,” Dominick DellaSala, a conservation scientist, said to the Daily Montanan. “Because now the climate has shifted, the Forest Service can’t possibly put out all these fires that are increasing in speed, intensity and acres burning where all these houses were built. So what do we do about it?”
The state Legislature is looking at the broader issue of property insurance rates in an interim committee and there’s a wildfire study bill as well. Those discussions could end up becoming legislation during the 2027 Legislative session, and the hope from the Headwater Report’s authors is that it helps inform these discussions.
It’s also important to note what insurance companies are looking for, Barrett said.
“Insurance is spending money on homes getting damaged and destroyed by wildfire,” Barrett said. “What they need to see is risk reduction ahead of a wildfire to those homes and communities placed in high risk areas, and that forest treatments and fuels reduction of landscapes alone, will not get them there, nor will suppression and response. It requires addressing the built environment at the same level that we currently address suppression and forest treatments.”
Insurance advocates have pointed to low amounts of hazardous fuels work being done under the Trump Administration — possibly as much as a 38% drop in annual average of acres treated — and are looking to see more done.
“We’ve seen more evidence and more informative reports for policyholders and homeowners about what they need to do to help protect and defend their home and make sure that they’re safe,” said Jayson O’Neill, an insurance advocate. “We aren’t seeing this sort of same urgency from our regulators and our state insurance commissioner and our state legislators.”
Montana
Rural Highway Stalker In White Pickup With Dark Windows Terrifying Montana Women
The Ole’ Mercantile is a busy place by Grass Range, Montana, standards.
The community of roughly 125 people sits along a long, lonely network of two-lane highways connecting Billings with points north along Montana’s Hi-Line.
For drivers pushing toward Lewistown, Malta or Glasgow, the store’s lights are often the first sign of anything for miles.
Of late, they may also offer a chance of identifying the person driving a truck local women say is stalking these roads.
Owner Krista Manley told Cowboy State Daily her store is outfitted with a top-of-the-line camera system that offers a 360-degree view with no blind spots. Four overlapping cameras capture her property, the Wrangler Bar and the full stretch of Highway 87 frontage running through town.
Fergus County investigators now hope that footage — and Manley’s willingness to comb through hours of it — can help identify the driver of a newer white Ford four-door pickup with dark tinted windows, no front license plate and a chrome grill guard.
The truck is at the center of the most recent reported highway stalking incident.
Lizette Lamb, a 48-year-old traveling health care worker, says she was nearly run off the road the evening of April 10.
Now a growing chorus of similar accounts from women across north-central Montana are popping up on social media.
At The Ole Merc
Travis Lamb, Lizette’s husband, took to Facebook to post about what happened to his wife on one of the loneliest stretches of highway in Montana.
Travis told Cowboy State Daily Lizette pulled into the Ole’ Merc Conoco in Grass Range between 7 and 8 p.m. to grab a drink. She later remembered a pickup was backed in alongside the cafe: a newer white Ford four-door.
“Kind of gave her the heebie-jeebies,” he said. “My wife has worked in a prison and stuff like that, so she’s used to kind of going with her gut.”
She bought a drink, got back in her Ford Bronco Sport and headed north on Highway 19 toward Glasgow.
About a mile and a half down the road, she realized the white pickup was behind her. Through the dark tint, she could make out the silhouettes of two men.
She slowed down and edged toward the shoulder to let them pass. They slowed with her. She sped up. They sped up.
By the time she reached Bohemian Corner 23 miles up the road, Travis Lamb said, his wife knew something was wrong.
There were no other vehicles in the lot, so she didn’t bother pulling in. She tried to call Travis. No service.
She tried 911. The phone beeped, displayed a red message and disconnected.
Truck Gets Aggressive
The white truck continued to shadow Lizette along Highway 191. About two miles from where the road crosses the Missouri River, coming into a construction zone, the pickup got aggressive.
Travis said the truck rode so close to the Bronco’s bumper that his wife could no longer see its windshield, only the grille.
Then it pulled out as if to pass and swerved into her, he said, in what he described as an attempted PIT maneuver — the law-enforcement technique of clipping a fleeing vehicle’s rear quarter to spin it out.
PIT stands for Precision Immobilization Technique, and this tactic is used to stop a fleeing vehicle by forcing it to turn sideways, causing the driver to lose control and stop.
“She was fortunate, kind of timed it to when they went to turn into her and hit her, she sped up,” Travis Lamb said. “And they missed.”
That’s when Lizette Lamb pulled her Springfield XDM 9mm pistol out of the center console. She didn’t point it, but she made sure they could see it.
The white pickup hit its brakes, threw a U-turn in a spray of dust and gravel, and headed back toward Grass Range.
The Video
“I thank God that it did happen to her and not somebody else, because I know my wife is more than capable of defending herself,” said Travis Lamb, an Iraq War combat veteran, who eventually reached out to Manley at the Ole Merc.
Then, when Manley reviewed the surveillance video from the Merc’s camera system, she found no sign of a white Ford truck.
“We have not found evidence of them at our store or at the three businesses that come along the highway right there,” Manley said. “That doesn’t mean it didn’t happen.
“My default is to absolutely believe women, and she (Lizette) was, she was rattled.”
Manley holds a Ph.D. in cognitive psychology and ran the research team at Procore Technologies before going into business for herself.
When reviewing the video, Manley logged the times Lizette arrived and left, and then watched the highway for an hour after.
“We’re absolutely not arguing the authenticity of the report in any way, shape or form,” said Manley. “In my previous life before I had the store, I actually was a memory and cognition researcher. I understand how stress impacts memory.”
The Echoes
Travis Lamb’s Facebook post went off like a flare.
He tallied 36 accounts of similar experiences in roughly the same swath of country stretching across prairie and badlands in one of the least populated parts of Montana.
The pattern in many of the comments was consistent enough to be unsettling: a white pickup, often a Ford, sometimes with out-of-state plates, tailgating women on isolated stretches of two-lane after dark.
One commenter described being followed by a white truck north of Grass Range three years ago around 10 p.m., tailgated with brights on at more than 80 mph until the truck peeled off in a different direction.
Another described a white Ford pickup near Harlowton trying to force her to stop, then waiting for her at a gas station. Another recalled a white pickup with North Dakota plates in the same area.
In Wyoming, one poster described two men in a white truck with Washington plates on Highway 120 between Cody and Meeteetse who tailgated her, tried to push her off the road, then cut in front and slammed on the brakes.
Other women described different vehicles — a dark Escalade, a small white car, a black double-cab — but the same script: tailgating, refusing to pass, brake-checking, dead zones with no cell service.
Easter Night
One name in that Facebook thread was Joni Hartford of Lewistown, who told Cowboy State Daily she had her own near-identical encounter on Easter evening just days before Lizette Lamb’s.
Hartford, who works in insurance, had dropped off some belongings to her son, a football player at Rocky Mountain College in Billings.
She stopped at a gas station on her way out of town “for a pop,” climbed back into her red 2014 Ford F-150 and headed north on Highway 87 around 7:30 or 8 p.m.
“I noticed it right after I left Billings,” Hartford said of the pickup behind her. “It was right behind me and I kept thinking, ‘God, this vehicle is super close.’”
About 15 miles out of town, past the racetracks, she pulled toward the white line and slowed to 60 mph on a long straightaway, hoping the truck would go around. It wouldn’t.
“He was so close behind me, I couldn’t see his taillights, but I could see his marker lamps on his mirrors, his tow mirrors,” Hartford said. “So I knew it was a Ford pickup, and I knew it was like a three-quarter or a 1-ton. It was a big pickup.”
She couldn’t make out the color in the dark. She called her husband.
“I said, ‘This pickup is tailgating me,’ and said, ‘It’s really kind of making me nervous, because if I had to stop for a deer, it would run me over. It would run me off the road,’” Hartford said.
“And he goes, ‘Well, just stop.’ And I said, ‘I am not stopping. I’m in the middle of freaking nowhere,’” she added.
She made it through Roundup with the truck still on her bumper.
North of town, climbing toward Grass Range, Hartford caught a lucky break with an Amish buggy sluggishly clapping up a blind hill and slowing traffic.
“I darted around the Amish buggy, right before the blind hill, and he couldn’t get around them, and I just gunned it, and I was going probably 90 mph just to put space between us,” Hartford said. “I never seen him again.”
Hartford carries a .380 pistol. She had it out and on the seat. She didn’t show it — between the dark and her tinted windows, she wasn’t sure the driver behind her would have seen it anyway.
When Lamb’s post crossed her Facebook feed, Hartford said the parallels stopped her cold.
“It’s the same exact situation,” she said. “I can’t say for certain it was the same person, but it sure seems like it was the same person.”
Hartford said she believes the driver is hunting for circumstance: single women, after dark, on a corridor he knows is desolate and short on cell coverage.
“They’re targeting them at gas stations,” she said. “That’s the only place they could have found me, because it’s the only place I’ve stopped.”
The Candidate
Penny Ronning, cofounder and president of the Yellowstone Human Trafficking Task Force, had a similar drive in 2022.
She remembers it as the only time in nearly a year of solo campaign travel across 41 Montana counties that she felt afraid.
Ronning, then a Democratic candidate for U.S. Congress, was driving from Billings to Havre for a campaign event.
Instead of taking the interstate, she chose the back roads — north out of Winifred on Highway 236, a route that runs about 30 miles of gravel through some of the most remote country in the state before dropping into the Missouri River Breaks, which Ronning compared to a Montana version of the Grand Canyon.
As she entered the gravel, a four-door white pickup with blacked-out windows pulled in behind her.
“That was what made it frightening,” Ronning said. “It was that I was followed.”
Ronning, who has spent years working on human trafficking policy and prevention, was careful to push back on the framing that has circulated on Facebook around the Lamb case — that the white-pickup encounters are likely abduction attempts tied to trafficking networks.
“Human trafficking is the use of force, fraud or coercion to compel a person into commercial sex acts or labor against their will,” Ronning said. “Just because someone is being followed, that doesn’t rise to the level of human trafficking.”
The most prevalent form of human trafficking in the United States, she said, is familial trafficking, one family member trafficking another.
In Montana, she said, labor trafficking is also common in construction, nail salons, illicit massage businesses, hospitality and domestic servitude in pockets of high-end real estate.
Sex trafficking almost always begins with someone the victim knows.
The Watch
Back in Grass Range, every white pickup that rolls past the four-corner blinking light is now turning heads.
Manley said her store has worked closely with the Fergus County Sheriff’s Office on past incidents, and her cameras are essentially a standing resource for investigators.
She also said the response on social media has dismayed her, commenters questioning whether these highway stalking incidents happened at all, or suggesting Grass Range itself isn’t safe.
She believes her store, and others like it in remote pockets of Montana, are informal refuges.
“We’ve all been there, whether it’s in a snowstorm or where we’re just uncomfortable driving like this where we’re just like, ‘Oh my gosh,’ you see the big lights and you’re like, there’s a beacon of safety, essentially,” Manley said.
She said that her eyes are open to potential threats along the isolated highways connecting Grass Range to the rest of the world.
“We know that it is a highway that has a reputation for, you know, trafficking, drug moving, all of those different things, and that’s why we are as diligent as we are,” said Manley. “We really care about the safety of our community, our employees, and our customers.”
Manley remains in contact with the Lambs.
“She told me, ‘I’m not going to quit looking,’” said Travis, explaining how Manley is arranging for the Lambs to review the footage themselves.
Travis figures that perhaps, “Instead of a white Ford, maybe it’s a tan Dodge.”
He added, “I’m hoping somebody’s like, ‘I know that pickup.’ That’s what I’m praying for.”
So is Lizette, who told Cowboy State Daily, she’s thankful for the response to her story. She’s also thankful she was traveling with her sidearm.
“Unfortunately, that’s the world we live in now. You know, Montana, in the middle of nowhere,” said Lizette, who encouraged anyone else with similar encounters to come forward.
“This is just a reminder that it is happening,” she said. “It is real.”
David Madison can be reached at david@cowboystatedaily.com.
Montana
Montana Lottery Powerball, Lotto America results for April 18, 2026
The Montana Lottery offers multiple draw games for those aiming to win big.
Here’s a look at April 18, 2026, results for each game:
Winning Powerball numbers from April 18 drawing
24-25-39-46-61, Powerball: 01, Power Play: 5
Check Powerball payouts and previous drawings here.
Winning Lotto America numbers from April 18 drawing
18-21-22-32-42, Star Ball: 10, ASB: 03
Check Lotto America payouts and previous drawings here.
Winning Big Sky Bonus numbers from April 18 drawing
10-16-29-31, Bonus: 13
Check Big Sky Bonus payouts and previous drawings here.
Winning Montana Cash numbers from April 18 drawing
06-08-09-20-22
Check Montana Cash payouts and previous drawings here.
Feeling lucky? Explore the latest lottery news & results
When are the Montana Lottery drawings held?
- Powerball: 8:59 p.m. MT on Monday, Wednesday, and Saturday.
- Mega Millions: 9 p.m. MT on Tuesday and Friday.
- Lucky For Life: 8:38 p.m. MT daily.
- Lotto America: 9 p.m. MT on Monday, Wednesday and Saturday.
- Big Sky Bonus: 7:30 p.m. MT daily.
- Powerball Double Play: 8:59 p.m. MT on Monday, Wednesday, and Saturday.
- Montana Cash: 8 p.m. MT on Wednesday and Saturday.
- Millionaire for Life: 9:15 p.m. MT daily.
Missed a draw? Peek at the past week’s winning numbers.
This results page was generated automatically using information from TinBu and a template written and reviewed by a Great Falls Tribune editor. You can send feedback using this form.
Montana
Between Bozeman And Billings Is Montana’s One-Of-A-Kind Historic Mill Filled With Cheese – Islands
Montana may be well known as a top destination for nature enthusiasts and adventure seekers thanks to its outdoor activities like hiking and paddling, but there are some unique foodie gems to be found here, too. One of the best ways to experience Montana’s local food scene is with a visit to Greycliff Mill, between Bozeman and Billings. Here, you can discover a one-of-a-kind cheese attraction along with a number of other things to see on site during your visit to Big Sky Country.
Greycliff Mill is housed in a restored 1760s barn, which features a water-powered gristmill and pretty scenery like ponds framed by rock formations. You may see bison wandering the site — there are five that live here. You may also catch a glimpse of a 10-foot-tall bear, but no need to panic as it’s only a statue, carved by a chainsaw. The pretty cafe, a mix of modern and rustic decor, serves from a menu that includes coffee, milkshakes, and pastries, plus paninis like “The Cattleman” and breakfast sandwiches like the “Sheepherders Sandwich.” Book in advance for a special farm-to-table dinner in the evening — these are only offered on select dates throughout the year, and may sell out. But one thing you shouldn’t miss here is the cheese cave.
Discover Greycliff Mill’s cheese cave
Greycliff Mill has an underground cheese cave, which is a must-see on any visit. It’s possible to see experts making artisan cheeses while you learn about the cheesemaking process and sample a few products. The cheese is aged in the cave at a temperature of 50 degrees with 85% humidity to create the perfect environment for a tasty product. It’s possible to buy some cheese at their market — which also sells seasonal produce, bread, and lots of other Montana-made products.
Besides the food-based spots, Greycliff Mill is also home to a small wool-weaving studio, and there are accommodations if you want to spend the night in restored log cabins or reclaimed farm silos. Greycliff Creek Ranch offers horseback rides and a chuckwagon dinner for more authentic Montana experiences. Whether you’re visiting especially to see the cheese cave, or road tripping and need a break, Greycliff Mill is a quirky and special spot. One Google reviewer summed up the experience well, praising the “amazing rustic atmosphere,” and saying, “I stopped for a coffee and ended up staying just to enjoy the view. Great coffee, peaceful place, and such a unique spot. Definitely worth the stop if you’re driving through Montana.”
Greycliff Mill is between Bozeman and Billings, the largest city in Montana and surrounded by natural beauty. It’s almost equidistant between the two cities — 1 hour to Bozeman and 1 hour to Billings. The closest major airport is Billings-Logan International Airport, although Bozeman Yellowstone International Airport, Montana’s mountain gem of an airport, is also a convenient option.
-
Arkansas4 minutes agoCentral Arkansas council hands out 300 free produce bags at Saline County fresh market
-
California10 minutes agoCalifornia regulators kill charity fireworks for America’s 250th, sparking outrage
-
Colorado16 minutes agoOutgoing Colorado Buffaloes Sebastian Rancik, Bangot Dak Make Transfer Portal Moves
-
Connecticut21 minutes agoOne arrested after a multi-car crash in Naugatuck Saturday
-
Delaware28 minutes ago9 Most Scenic Drives in New Jersey
-
Florida33 minutes agoSouth Florida faith leaders call for Miami mental health center to finally open
-
Georgia39 minutes ago
Georgia receiver and draft prospect Zachariah Branch arrested for misdemeanor obstruction
-
Hawaii46 minutes agoKanakaʻole, Zane ʻohana transform Hawaiian cultural practices into captivating visual arts | Maui Now