Natural Disaster Risk in Capitol
Montana
3.8out of 10
Risk Summary for Capitol
Below-average natural disaster risk. Fewer and less severe natural hazards affect this area.
Top Hazards
Avalanche Wildfire Tsunami
All 18 Hazard Scores
Avalanche 8.1
Wildfire 7.7
Tsunami 5.4
Winter Weather 5.2
Volcanic Activity 5.1
Coastal Flooding 4.9
Cold Wave 4.7
Landslide 3.7
Hail 3.2
Drought 2.9
Hurricane 2.4
Earthquake 2.3
Ice Storm 2.1
Extreme Heat 2.0
Tornado 1.9
Strong Wind 1.6
Lightning 1.5
Riverine Flooding 1.0
How it compares
Capitol 3.8
Montana avg. 4.9
US national avg. 4.5
Live Conditions
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🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
ZIP Codes in Capitol
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.