Natural Disaster Risk in Garfield County
Montana
4.0out of 10
Risk Summary for Garfield County
Average natural disaster risk for the United States. Standard homeowners insurance typically covers common hazards here.
Top Hazards
Avalanche Wildfire Tsunami
All 18 Hazard Scores
Wildfire 8.1
Avalanche 8.1
Tsunami 5.4
Volcanic Activity 5.1
Cold Wave 5.1
Coastal Flooding 4.9
Landslide 4.6
Lightning 4.4
Hail 3.3
Drought 3.1
Winter Weather 3.0
Strong Wind 2.6
Hurricane 2.4
Extreme Heat 2.2
Earthquake 1.8
Ice Storm 1.8
Tornado 1.6
Riverine Flooding 1.0
How it compares
Garfield County 4.0
Montana avg. 4.9
US national avg. 4.5
Live Conditions
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🏠 What this means for insurance
Average risk — 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.
Cities in Garfield County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.