Montana
Viewpoint: Montana Board of Housing celebrates 50 years
Cheryl Cohen
Many of us can vividly recall our first apartment rental experiences. For me, it was a single-family home shared with three college roommates, then an upper floor in a triplex where the kitchen fan spun itself off the ceiling and crash landed on the dining room table, followed by a non-conforming daylight basement unit with mold growing on every window. These were not glamourous experiences, but they were what I could afford and what was available on the market.
Some of us have been blessed, through hard work, luck and favorable market conditions, to become first-time homebuyers. For me, it was a sweat equity short sale under the third runway easement of a large international airport necessitating over 60 cubic yards of debris removal in the first weekend. But it was our home, our garden, our sanctuary and we took pride in our amateur DIY renovation efforts.
Those of us who work in the affordable housing space have the privilege of supporting individuals and families with their first ventures in apartment leasing, transitioning to a rental home they can better afford and even witnessing the American Dream in action at the closing table as a family receives the keys to their first home.
Over the last 50 years, the Montana Board of Housing, which is administratively attached to the Montana Department of Commerce, has partnered with organizations statewide who regularly experience these inspiring moments. Imagine assisting an individual moving inside after experiencing homelessness for a decade or more, or supporting a single mom regaining custody of her little boy with a safe, affordable apartment on Christmas Eve, or helping seniors stay in their homes with a fair and reputable Reverse Annuity Mortgage loan or providing first-time homebuyer counseling to a family who works and saves for a down payment to close on their first home.
I’ve been fortunate to experience many such moments throughout my career, as have all members of the MBOH team. Each time, these moments remind me of a childhood memory. My parents, an electrician and a nurse, worked to build a new construction home for our family. My brothers and I would hang out at the job site after school (safely) while my dad ran the electrical. My mom, a music lover, asked my dad to wire surround sound speakers in various rooms of the house. The day we moved in, mom cranked the stereo with Kenny G’s saxophone music and ran through the house crying. My parents both came from humble backgrounds; it had been a long journey of saving and sacrificing to build our new home. I credit this memory and their hard work for my chosen career path.
The MBOH certainly tracks all manner of data, but it’s the human impact on Montana families and communities – which cannot be easily summed up in loan production volume or affordable rental unit counts – that drives our mission. With a safe and affordable home, families can thrive and flourish, communities become convening places for neighbors and new friendships and children retain stability in school.
With a safe and affordable home, individuals have more flexibility to take risks and pursue entrepreneurial ventures, educational attainment in children improves and overall health and well-being are enhanced. A safe, affordable home is foundational to our ability to reach our full potential; without it, the stress of stacked-up bills and difficult decisions whether to purchase food, medicine or those desperately needed new shoes for our kids monopolize our minds every minute of every day.
The MBOH’s cumulative support of first-time homebuyers includes 47,700 low-interest rate primary mortgage and down payment assistance loans, equating to nearly $3.8 billion dollars statewide. In addition to its support of Montana homebuyers, the MBOH portfolio includes over 9,500 affordable apartments and resident-owned mobile homes with long-term periods of affordability (30 to 50 years) and an in-house mortgage servicing portfolio with over 6,200 active loans. You can learn more about our history and impact on our website, which includes a slideshow video and timeline.
Perhaps you or a person you know has benefited from an MBOH loan, or you might live in an affordable apartment constructed with Housing Tax Credits allocated by our agency. And even if you don’t, you might recall a time in your life that you experienced housing instability due to a spousal separation, loss of a job or a health diagnosis that upended your entire life and finances.
Individuals and families supported by MBOH programs have experienced these and other struggles. We all need a hand up sometimes, and I’m tremendously proud that the MBOH – including our Board, staff, partners, investors, participating lenders, developers and others – could be this hand up for so many Montanans.
On June 19, 2025, Governor Gianforte signed HB 924 into law, establishing a new Montana housing trust within the broader Growth and Opportunity Trust. This legislation will provide statutory appropriations for affordable housing for the first time in Montana state history – but we won’t rest on our laurels; with your continued support, we’re rolling up our sleeves for another 50 years and beyond!
– Cheryl Cohen, MBOH Executive Director and Housing Division Administrator at the Montana Department of Commerce
Montana
Real-Time Updates: Severe weather slams Western Montana Wednesday, Dec. 17
(Update 11:00 a.m.)
- All lanes closed on US-93 near Evaro due to fallen trees.
- All lanes closed on MT-200 east of Bonner due to fallen trees.
(Update 10:40 a.m.) The Ravalli County Sheriff’s Office has issued an emergency wind and travel warning for the Bitterroot.
The warning states that “due to extreme winds, which are causing trees to fall into roadways and taking down power lines, as well as creating very dangerous driving conditions, the RCSO is advising that people not travel until the wind event decreases.”
High-profile vehicles should not travel in Ravalli County at this time.
Ravalli County 911 is also currently being overwhelmed with calls. Residents are asked to only report immediate emergencies to 911.
The Ravalli County Emergency Operations Center is open. To report non-emergent storm-related events in the Bitterroot, you’re asked to call the EOC at 406-375-6650.
(Update 10:15 a.m.) The reports of damage around Western Montana are rolling in Wednesday morning as thousands remain without power, especially in the northwestern corner.
As trees topple across the area, officials are urging travelers to use caution.
Trees have blocked access to several roads in the region. Here’s the road report as of 10 a.m.:
- MT-35 is CLOSED from milepost 2.8 to 6
- Southbound lanes are blocked on US-93 north of Somers due to a semi blow over
- Tree down and blocking southbound lanes on US-93 near Ronan
- Tree blocking all lanes on MT-35 east of Polson.
- Power lines down blocking on lanes on US-2 west of Marion.
- Severe driving conditions on US-12 from Lolo to Lolo Pass due to downed trees
The Lincoln County Sheriff’s Office issued a notice at 9:40 a.m. that the county is under emergency travel only.
To the south, the Missoula Police Department requested necessary travel only in the city.
The Frenchtown Rural Fire District put out a public service announcement asking people to stay home and off the roads.
Power outages are still impacting several areas of Western Montana too.
NorthWestern Energy’s outage map at 10:10 a.m. showed hundreds of customers were in the dark in Missoula, Mineral, and Sanders counties. Flathead Electric shows thousands of people without power in Flathead and Lincoln counties.
Traffic signals are out in the City of Kalispell. All intersections with dark stoplights must be treated as a 4-way stop.
- Come to a complete stop
- Take turns — first to stop goes first
- Yield to pedestrians
- Proceed slowly and cautiously
Kalispell’s popular Woodland Park is closed due to heavy winds and hazardous conditions.
The weather has closed the following schools for Wednesday (this list will be updated):
- Clinton
- Frenchtown
- Libby
- Marion
- Noxon
- Pleasant Valley
- St. Regis
- Superior
- Troy
- West Glacier
High winds tore off the roof of Jefferson School in Missoula. The school is not currently serving students.
Micah Hill / MCPS Superintendent
This article will be updated throughout the day. Please follow KPAX’s Facebook page for the latest information too.
(Update 9:45 a.m.)
- MT-35 is CLOSED from milepost 2.8 to 6.
- Southbound lanes are blocked on US-93 north of Somers due to a semi blow over.
(Update 9:15 a.m.) Montana Department of Transportation reporting several new incidents.
- Tree down and blocking southbound lanes on US-93 near Ronan
- Tree blocking all lanes on MT-35 east of Polson.
- Power lines down blocking on lanes on US-2 west of Marion.
- Severe driving conditions on US-12 from Lolo to Lolo Pass due to downed trees.
(Update 9:08 a.m.) Hazardous conditions are wreaking havoc across the City of Missoula causing the Missoula Police Department to ask the community to only travel if absolutely necessary.
In a press release at 9:10 a.m., MPD stated that high winds have created dangerous conditions, including reduced vehicle control, blowing debris, and the potential for downed trees and power lines.
If you cannot avoid traveling right now, you’re asked to:
- Reduce speed
- Be alert for debris in roadways
- Watch for downed trees, power lines, and damaged traffic signals
- Avoid parking near trees or unstable structures
Do not touch anything, including a tree, that may be in contact with power lines. If you see a downed power line, you’re asked to call NorthWestern Energy at 888-467-2669.
For emergencies, call 911. For non-emergency assistance, contact the Missoula Police Department at 406-552-6300.
(Update 9:03 a.m.) A MEANS alert for Missoula County for drivers to be cautious driving due to high winds, several hazards and extreme conditions.
(UPDATE 8:55 a.m.)
Frenchtown School District has cancelled school. Parents should pick up their student from the school to ensure they are supervised and safe as they transition back home. If parents are unable to pick students up, buses will run at 10:00 to return students home. Phones are also out at the South Campus.
(UPDATE: 8:28 a.m.) The storm is hitting Sanders County hard.
Just after 8 a.m., the Community Ambulance Service of W. Sanders Co. posted that power is out in parts of the area and that strong winds are creating extremely dangerous conditions.
Live power lines are across roads, there are reports of falling trees and debris, and some travel routes have become impassable.
Officials are telling people to not travel unless it’s absolutely necessary. School in Noxon has been canceled.
Meanwhile in Mineral County, St. Regis Schools and the Superior School District have also canceled classes.
Due to fallen power lines, Superior Schools will not send the buses back out.
School officials are asking families to pick up their students Wednesday morning. If you’re unable to do so, you’re asked to call Logan Labbe 406-822-2285 to make accommodations.
(1st Report – 8:20 a.m.) The strong Pacific cold front that is moving through Washington has now arrived in Western Montana Wednesday morning.
Power outages have already been reported all across Western Montana including the Interstate 90 corridor from Lookout Pass to Alberton and in Northwest Montana, thousands of residents are without power in the Libby and surrounding areas. For updates on outages check Northwestern Energy Outage map and Flathead Electric Co-Op outage viewers.
Northwestern Energy
There is also reports of road hazards. According to the Montana Department of Transportation a powerline is down on Highway 56 near Noxon. Several trees are also down across Highway 56 between Troy and Noxon.
Interstate 90 westbound lanes at mm 15, west of Superior, are blocked due to downed trees.
MDT
Click here for live map of road closures.
Stay with KPAX for updates on this storm throughout the day.
Montana
Strong wind in the forecast statewide
Nick Vertz suspected calm weather wouldn’t soon return after last week’s high-speed wind event that recorded 101-mph winds in Glacier County. The Billings-based National Weather Service forecaster said Montanans should expect exceptionally strong gusts Tuesday night and Wednesday.
“I joke that the weather’s just playing catch up with how mild of a fall and start to the winter we had,” Vertz told Montana Free Press on Tuesday.
Nearly the entire state is under an official high-wind warning, meaning the weather service expects wind speeds of 58 mph or greater. While the official warning status may vary by region, the weather service anticipates the strong winds will move west to east through late Wednesday evening.
Winds aloft, higher altitude gusts that generally exceed wind speeds on the surface, are both unusually powerful and relatively low in altitude. Vertz says high-speed winds aloft blowing downward is the result of warm weather.
“You can think of it as pushing those strong winds aloft down to reach the surface,” Vertz said.
Though much of Montana experienced a similar strong-wind pattern last week, Vertz said this system is a statewide event and that the weather service has “more confidence in those stronger winds to occur just all across the board.”
With gusts coming out of the northwest, Vertz advised caution for drivers headed north or south, who would likely experience the “full brunt of those crosswinds.”
Montana’s most recent experience with a major wind event on a similar scale occurred in January 2021, according to Vertz.
Ongoing flooding in northwest Montana makes the area particularly vulnerable to high-wind hazards, like saturated soil around tree roots, according to Bryan Conlan, a weather service meteorologist based out of Missoula.
“Anywhere within western Montana at this point, with these strong to damaging winds, trees could blow over,” Conlan said.
Gov. Greg Gianforte on Wednesday requested President Donald Trump issue a presidential disaster declaration in response to the flooding in the northwest part of the state.
As even more ocean moisture makes its way from the Pacific Northwest into Montana via “atmospheric rivers,” precipitation is likely to continue in western Montana.
“One of the differences between this and the prior system is there will be a very strong cold front that’ll be coming along,” Conlan said.
A cold front on Wednesday will mix with moisture from the atmospheric river, producing a combination of rain and snow. Cold air also leads to winds aloft descending, resulting in strong wind across high elevations in western Montana. On Monday night, winds in Glacier National Park reached almost 100 mph.
“This is going to be a fairly strong event,” Conlan said.
Nora Mabie contributed to this reporting.
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Montana Morning Headlines: Tuesday, December 16, 2025
WESTERN MONTANA — Here’s a look at Western Montana’s top news stories for Tuesday.
The Flathead County Sheriff’s Office reports the suspect in last Thursday’s attempted kidnapping at a Kalispell gas station has been identified and arrested. The incident occurred at Woody’s gas station at Highways 35 and 206, where a man allegedly attempted to rob and kidnap a woman sitting in her car. (Read the full story)
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The Bureau of Land Management is offering $1 permits for people to cut their own Christmas trees on public land, with options including Douglas fir, lodgepole pine and western larch. Harvesters must stay at least a quarter-mile from roads and rivers, with BLM encouraging people to target overcrowded areas where thinning would benefit forest management. (Read the full story)
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Two reindeer from a farm in Washington brought Christmas magic to Murdoch’s Ranch & Home Supply in Missoula on Dec. 6, featuring 10-year-old Candy and 1.5-year-old Elsa posing for photos and meeting dozens of families. The reindeer, raised by Jordan Duncan at Reindeer Express near Spokane, spend their off-season splashing in water and munching grass before returning to holiday duties. (Read the full story)
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