Dispersed camping opportunities near Charlo, Montana extend beyond the immediate town area to several wilderness locations. The region sits at an elevation range of 3,000-4,500 feet with significant temperature variations between seasons. Winter snow typically lingers at higher elevations until late May, making June through September the primary camping season for most backcountry areas.
What to do
Hiking to waterfalls: Holland Lake Campground provides access to hiking trails with waterfall views. "The hike to the Holland Falls is short but totally worth it! Clean lake perfect for swimming and paddleboarding," notes a camper who found it "excellent for families."
Fishing alpine lakes: At Lucifer Lake Wilderness Backcountry, accessed via the mission falls trailhead, campers can find seclusion and excellent fishing. "Amazing fishing, great views. Short hikes to other high mountain lakes," reports one visitor, though they warn to "be wary of Grizzlies in late July/August during moth hatch."
Rock collecting: The Jocko River area offers unique geological features for rock enthusiasts. "The rocks are the most beautiful and rock collectors' dream!" states a camper at Jocko Hollow Campground, adding that visitors should "be careful camping next to the rivers as in early spring, waters rise in the evenings and will flood out the lower Plains."
What campers like
Lakefront access: Camping directly on the water ranks high for visitors to Finley Point Unit — Flathead Lake State Park. One camper who found a walk-up spot noted, "Got lucky with spot 17, lower loop is right by the lake, with the best views ever! This year our walk up spot was 3, on the upper loop."
Wildlife viewing: Many of the best places to camp near Charlo, Montana offer opportunities to spot native wildlife. At Holland Lake Campground, a visitor mentioned, "There are both black and grizzly bears that frequent this area daily, so be very careful with your food, and bear aware when hiking. My last stay was only 2 nights, and I ran into two bears, one that strolled right by my trailer."
Clean facilities: Diamond S RV Park maintains well-kept grounds and amenities. "Very clean facilities, friendly owners, and a nice fire pit," reports one camper, while another noted it has "level sites" and is a "solid, clean, well kept place to stay."
What you should know
Tribal land requirements: Some camping areas near Charlo require special permits for non-tribal members. Regarding North Crow Creek, a visitor advised, "Campers should know that it is on Tribal land and permits are required for use."
Limited cell service: Many campgrounds have poor or no cellular connectivity. At Holland Lake, a camper pointed out there's "no cell service, showers...just flush toilets," while another mentioned "the closest cell service is just outside of Seeley Lake."
Bear safety measures: The area has active bear populations requiring proper precautions. A Lucifer Lake visitor emphasized, "Be wary of Grizzlies in late July/August during moth hatch," while Holland Lake campers frequently mention encountering bears during their stays.
Tips for camping with families
Look for beach access: Select waterfront sites that offer gentle entry points to the water. At Finley Point State Park, a camper mentioned, "There are a select few sites yards away from the water, each with a bit of beach. The biting bugs were minimal, but the swarms of other bugs were impressive."
Consider yurts as alternatives: Big Arm State Unit — Flathead Lake State Park offers alternative accommodations perfect for families with young children. "The most amazing way to stay here is in a yurt! These circular traditional structures are an experience not soon forgotten buy kids or adults alike," shared one enthusiastic visitor.
Find family-friendly hiking options: Several campgrounds offer trails suitable for children. At Holland Lake, a camper noted the trail to Holland Falls is "suitable for beginners and children, but be aware that it's rocky when you reach the falls, and dogs and children should be supervised in that area."
Tips from RVers
Site levelness varies widely: Even at RV parks, prepare for uneven ground. At Mission Meadows RV Campground, a reviewer cautioned, "There are a few spots with hookups, but the ground is very uneven. The best spots are W&E, and the dumpstation is at the Cenex in Ronan."
Consider electrical needs: When planning your stay at RV sites near Charlo, check for appropriate electrical service. The Polson-Flathead Lake KOA received praise for its facilities, with one camper noting, "Nice size RV campground overlooking Flathead Lake. Amenities: Mini golf, Hot Tub, Pool, Basketball court, Volleyball Court, Dog run, Laundry room, Small market/Gift shop."
Watch for seasonal sap issues: At certain times of year, tree sap can cause problems for RVs. At Diamond S RV Park, a camper warned, "Stay clear of trees in center/ maple sap! Covered rv quickly. Easy clean up and owners offered to move us."
