🌍 ClimateRiskCheck

Natural Disaster Risk in Fallon County

Montana

3.8out of 10
Low Risk

Risk Summary for Fallon County

Fallon County scores 3.8/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Winter Weather Wildfire

All 18 Hazard Scores

Cold Wave
7.2
Winter Weather
6.3
Wildfire
6.2
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Hail
3.4
Ice Storm
3.2
Drought
3.0
Extreme Heat
2.5
Landslide
2.5
Hurricane
2.4
Tornado
2.2
Strong Wind
2.0
Lightning
2.0
Earthquake
1.9
Riverine Flooding
1.0

How it compares

Fallon County
3.8
Montana avg.
4.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Below-average risk β€” 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: Fallon County, Montana

Fallon County is located in the United States in Montana, home to roughly 3,048 residents. The county experiences cold winters, dry summers, and extreme temperature swings, with rapid chinook wind events and spring flooding shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.

According to FEMA's National Risk Index, Fallon County carries an overall risk score of 3.8/10, placing it in the low category. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. The area also faces notable exposure to winter and wildfire.

Fallon County'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 Fallon County, the highest-scoring are cold wave, winter, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Fallon County carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk β€” cold wave β€” warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.

What this means for Fallon County: 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.

Cities in Fallon County

ZIP codes in Fallon County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.