🌍 ClimateRiskCheck

Natural Disaster Risk in Darby

Montana

6.1out of 10
High Risk

Risk Summary for Darby

Darby scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Avalanche Landslide

All 18 Hazard Scores

Wildfire
9.9
Avalanche
9.8
Landslide
9.4
Winter Weather
8.9
Cold Wave
8.9
Ice Storm
8.1
Earthquake
7.3
Lightning
7.0
Extreme Heat
5.4
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Hail
3.8
Drought
3.0
Hurricane
2.4
Strong Wind
2.4
Tornado
2.0
Riverine Flooding
1.0

How it compares

Darby
6.1
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: Darby, Montana

Darby, in Ravalli County, is a small community of about 2,148 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 Darby residents and property owners must navigate.

Darby's overall natural disaster risk is rated 6.1/10 (High) 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 avalanche and landslide.

Within Montana, Darby'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 Ravalli County identifies wildfire as the foremost hazard, followed by avalanche and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Darby'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 Darby: 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 Darby

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

Population

2,148

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 45.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.9/10

Coordinates

45.7981Β° N, 114.2614Β° W

Ravalli 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 Darby

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Darby

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.