Natural Disaster Risk in Hamilton
Montana
Risk Summary for Hamilton
Hamilton scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Wildfire.
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: Hamilton, Montana
Hamilton is a city of approximately 15,679 residents in Ravalli 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 Hamilton.
According to FEMA's National Risk Index, Hamilton carries an overall risk score of 6.1/10, placing it in the high category. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. The area also faces notable exposure to avalanche and landslide.
Hamilton'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 Ravalli County, the highest-scoring are wildfire, avalanche, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Hamilton'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 Hamilton: Wildfire preparedness
- Create defensible space by clearing flammable vegetation within 30β100 feet of structures.
- Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
- Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
Local Factors for Hamilton
These city-level factors differentiate Hamilton from other communities in Ravalli County and provide geographic context for its hazard exposure.
Population
15,679
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 46.2Β°
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
46.1756Β° N, 114.1167Β° 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 Hamilton
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Hamilton
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.