🌍 ClimateRiskCheck

Natural Disaster Risk in Colstrip

Montana

5.3out of 10
Moderate Risk

Risk Summary for Colstrip

Colstrip scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Winter Weather Avalanche

All 18 Hazard Scores

Wildfire
9.6
Winter Weather
8.7
Avalanche
8.1
Cold Wave
8.1
Landslide
7.1
Lightning
6.0
Tsunami
5.4
Hail
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Drought
4.2
Extreme Heat
4.1
Earthquake
3.8
Strong Wind
2.8
Ice Storm
2.5
Hurricane
2.4
Tornado
2.1
Riverine Flooding
1.0

How it compares

Colstrip
5.3
Montana avg.
4.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

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

Natural Hazard Profile: Colstrip, Montana

Colstrip, in Rosebud County, is a small community of about 2,101 situated in the northern tier of the continental United States. Its semi-arid climate brings cold winters, dry summers, and extreme temperature swings, and in particular rapid chinook wind events and spring flooding. These conditions collectively define the natural hazard environment that Colstrip residents and property owners must navigate.

Colstrip's overall natural disaster risk is rated 5.3/10 (Moderate) by FEMA's National Risk Index. The threat of wildfire dominates the local risk environment, with hot, dry summers and abundant fuel creating dangerous fire conditions each year. Secondary hazards include winter and avalanche.

Within Montana, Colstrip's risk is, near the 4.9/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Rosebud County identifies wildfire as the foremost hazard, followed by winter and avalanche. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Colstrip residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wildfire is recommended.

What this means for Colstrip: Wildfire preparedness

  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.

Local Factors for Colstrip

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

Population

2,101

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 45.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.6/10

Coordinates

45.9123Β° N, 106.7032Β° W

Rosebud 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 Colstrip

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Colstrip

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.