🌍 ClimateRiskCheck

Natural Disaster Risk in Froid

Montana

5.4out of 10
Moderate Risk

Risk Summary for Froid

Froid scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Winter Weather Strong Wind

All 18 Hazard Scores

Cold Wave
9.6
Winter Weather
9.2
Strong Wind
8.5
Wildfire
7.6
Hail
6.3
Extreme Heat
5.5
Tsunami
5.4
Volcanic Activity
5.1
Ice Storm
5.0
Drought
4.9
Coastal Flooding
4.9
Avalanche
4.5
Tornado
4.1
Lightning
3.4
Landslide
3.3
Earthquake
2.6
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Froid
5.4
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: Froid, Montana

Froid is a small community of about 644 in Roosevelt County, in the northern tier of the continental United States. The area experiences cold winters, dry summers, and extreme temperature swings, with rapid chinook wind events and spring flooding shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Froid.

According to FEMA's National Risk Index, Froid carries an overall risk score of 5.4/10, placing it in the moderate 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 wind.

Froid's risk score, slightly above the 4.9/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Roosevelt County, the highest-scoring are cold wave, winter, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Froid 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 cold wave is recommended.

What this means for Froid: 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.

Local Factors for Froid

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

Population

644

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Northern Continental

Latitude 48.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 7.6/10

Coordinates

48.3428Β° N, 104.5155Β° W

Roosevelt 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 Froid

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Froid

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.