Natural Disaster Risk in Coram
Montana
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
All 18 Hazard Scores
How it compares
Live Conditions
π 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
RuralGeographic 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
Notable Weather Days (last 12 months)
ZIP Codes in Coram
Other cities in Montana
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.