Natural Disaster Risk in Laurel
Montana
Risk Summary for Laurel
Laurel scores 6.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
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: Laurel, Montana
Located in the northern tier of the continental United States in Yellowstone County, Laurel is a city of approximately 12,302 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 Laurel a community where hazard awareness has real practical value.
Laurel's overall natural disaster risk is rated 6.7/10 (High) by FEMA's National Risk Index. The area faces significant winter hazard exposure, with nor'easters, ice storms, or blizzards regularly challenging transportation networks and power infrastructure. Secondary hazards include cold wave and wildfire.
Relative to other U.S. communities, Laurel's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 4.9/10 state average. The hazard distribution here is led by winter and cold wave, as measured by FEMA across Yellowstone County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, Laurel residents benefit from taking preparedness seriously. Reviewing insurance coverage for winter and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Laurel: Winter Weather preparedness
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
Local Factors for Laurel
These city-level factors differentiate Laurel from other communities in Yellowstone County and provide geographic context for its hazard exposure.
Population
12,302
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 45.6Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High β long dry fire season
Fire score: 9.4/10
Coordinates
45.6425Β° N, 108.7498Β° W
Yellowstone 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 Laurel
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Laurel
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.