Natural Disaster Risk in Circle
Montana
Risk Summary for Circle
Circle scores 3.8/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 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.
Natural Hazard Profile: Circle, Montana
Circle is a small community of about 1,015 in McCone 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 Circle.
FEMA rates Circle's composite natural disaster risk at 3.8 out of 10 — low risk. Cold wave events are the primary hazard risk, driven by periodic invasions of Arctic air that drive wind chills to life-threatening levels and stress heating systems. Residents should also account for hail and wildfire risk in their preparedness planning.
Circle's risk score, slightly below the 4.9/10 state average and below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for McCone County, the highest-scoring are cold wave, hail, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Despite its lower-than-average risk classification, Circle is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers cold wave — remains prudent for all residents.
What this means for Circle: Cold Wave preparedness
- Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.
- Keep emergency heat and supplies ready in case of cold-related power outages.
- Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
Local Factors for Circle
These city-level factors differentiate Circle from other communities in McCone County and provide geographic context for its hazard exposure.
Population
1,015
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Northern Continental
Latitude 47.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — summer fire risk
Fire score: 5.5/10
Coordinates
47.5043° N, 105.7454° W
McCone 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 Circle
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Circle
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.