🌍 ClimateRiskCheck

Natural Disaster Risk in Heron

Montana

5.5out of 10
Moderate Risk

Risk Summary for Heron

Heron scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Avalanche Wildfire

All 18 Hazard Scores

Landslide
9.7
Avalanche
9.4
Wildfire
9.2
Winter Weather
9.0
Ice Storm
8.2
Earthquake
7.2
Cold Wave
7.1
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Extreme Heat
4.0
Drought
3.0
Lightning
2.9
Hurricane
2.4
Strong Wind
1.9
Tornado
1.7
Hail
1.6
Riverine Flooding
1.0

How it compares

Heron
5.5
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: Heron, Montana

Located in the northern tier of the continental United States in Sanders County, Heron is a small community of about 712. 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 Heron a community where hazard awareness has real practical value.

FEMA rates Heron's composite natural disaster risk at 5.5 out of 10 β€” moderate risk. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. Residents should also account for avalanche and wildfire risk in their preparedness planning.

Relative to other U.S. communities, Heron'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 landslide and avalanche, as measured by FEMA across Sanders County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Heron 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 landslide is recommended.

What this means for Heron: Landslide preparedness

  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.

Local Factors for Heron

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

Population

712

Rural

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Northern Continental

Latitude 48.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.2/10

Coordinates

48.0080Β° N, 115.9707Β° W

Sanders 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 Heron

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Heron

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.