🌍 ClimateRiskCheck

Natural Disaster Risk in Belgrade

Montana

6.9out of 10
High Risk

Risk Summary for Belgrade

Belgrade scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Avalanche Landslide

All 18 Hazard Scores

Winter Weather
10.0
Avalanche
9.9
Landslide
9.7
Earthquake
9.5
Lightning
9.4
Cold Wave
9.4
Volcanic Activity
9.3
Wildfire
9.2
Hail
8.6
Tsunami
5.4
Coastal Flooding
4.9
Strong Wind
4.7
Drought
4.5
Extreme Heat
3.8
Ice Storm
3.7
Tornado
2.7
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Belgrade
6.9
Montana avg.
4.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Belgrade, Montana

Belgrade is a city of approximately 24,282 residents in Gallatin County, in the northern tier of the continental United States. The area experiences cold winters, dry summers, and extreme temperature swings, with rapid chinook wind events and spring flooding shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Belgrade.

FEMA rates Belgrade's composite natural disaster risk at 6.9 out of 10 β€” high risk. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Residents should also account for avalanche and landslide risk in their preparedness planning.

Belgrade's risk score, considerably above the 4.9/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Gallatin County, the highest-scoring are winter, avalanche, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Belgrade's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Belgrade: Winter Weather preparedness

  • Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
  • Clear roof snow loads when heavy to prevent structural strain and ice dams.

Local Factors for Belgrade

These city-level factors differentiate Belgrade from other communities in Gallatin County and provide geographic context for its hazard exposure.

Population

24,282

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 46.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.2/10

Coordinates

45.9754Β° N, 111.1311Β° W

Gallatin County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Belgrade

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Belgrade

Other cities in Montana

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.