🌍 ClimateRiskCheck

Natural Disaster Risk in Coram

Montana

6.3out of 10
High Risk

Risk Summary for Coram

Coram scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Landslide Cold Wave

All 18 Hazard Scores

Avalanche
10.0
Landslide
9.8
Wildfire
9.6
Earthquake
9.6
Cold Wave
9.6
Winter Weather
9.5
Ice Storm
7.5
Lightning
6.4
Extreme Heat
6.3
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Drought
3.4
Hail
3.2
Strong Wind
2.5
Hurricane
2.4
Tornado
1.6
Riverine Flooding
1.0

How it compares

Coram
6.3
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: Coram, Montana

Coram, in Flathead County, is a small community of about 582 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 Coram residents and property owners must navigate.

Coram's overall natural disaster risk is rated 6.3/10 (High) by FEMA's National Risk Index. Snow avalanche exposure tops the local risk profile, with the area's mountain setting and annual snowfall loading producing regular avalanche cycles on steep slopes. Secondary hazards include landslide and cold wave.

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

Coram'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 Coram: Avalanche preparedness

  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.

Local Factors for Coram

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

Population

582

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Northern Continental

Latitude 48.4Β°

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

48.4139Β° N, 113.9505Β° W

Flathead 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 Coram

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Coram

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.