Natural Disaster Risk in Hardin
Montana
Risk Summary for Hardin
Hardin scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.
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: Hardin, Montana
Located in the northern tier of the continental United States in Big Horn County, Hardin is a town of roughly 5,008 residents. The semi-arid climate that characterizes this part of Montana β marked by cold winters, dry summers, and extreme temperature swings β directly influences the types and severity of natural hazards present, making Hardin a community where hazard awareness has real practical value.
Hardin's overall natural disaster risk is rated 6.3/10 (High) by FEMA's National Risk Index. Wind damage from severe weather systems tops the local risk profile, with open terrain and frequent storm activity amplifying exposure to destructive gusts. Secondary hazards include wildfire and volcano.
Relative to other U.S. communities, Hardin's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 4.9/10 state average. The hazard distribution here is led by wind and wildfire, as measured by FEMA across Big Horn County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Hardin'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 Hardin: Strong Wind preparedness
- Secure or store outdoor furniture and loose objects that can become projectiles.
- Confirm your policy covers wind damage and keep an inventory of property for claims.
- Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
Local Factors for Hardin
These city-level factors differentiate Hardin from other communities in Big Horn County and provide geographic context for its hazard exposure.
Population
5,008
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 45.7Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High β long dry fire season
Fire score: 9.5/10
Coordinates
45.7012Β° N, 107.7078Β° W
Big Horn 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 Hardin
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Hardin
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.