🌍 ClimateRiskCheck

Natural Disaster Risk in Lincoln County

Montana

5.4out of 10
Moderate Risk

Risk Summary for Lincoln County

Lincoln County scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Wildfire Landslide

All 18 Hazard Scores

Avalanche
9.9
Wildfire
9.7
Landslide
9.3
Winter Weather
8.9
Cold Wave
7.6
Earthquake
6.8
Tsunami
5.4
Volcanic Activity
5.1
Ice Storm
5.1
Coastal Flooding
4.9
Extreme Heat
4.5
Lightning
3.8
Drought
2.6
Hurricane
2.4
Strong Wind
2.1
Tornado
1.8
Hail
1.6
Riverine Flooding
1.0

How it compares

Lincoln County
5.4
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: Lincoln County, Montana

Lincoln County is located in the United States in Montana, home to roughly 19,614 residents. The county experiences cold winters, dry summers, and extreme temperature swings, with rapid chinook wind events and spring flooding shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.

According to FEMA's National Risk Index, Lincoln County carries an overall risk score of 5.4/10, placing it in the moderate category. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. The area also faces notable exposure to wildfire and landslide.

Lincoln County'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 Lincoln County, the highest-scoring are avalanche, wildfire, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Lincoln County 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 avalanche is recommended.

What this means for Lincoln County: Avalanche preparedness

  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.
  • Properties in runout zones may require specialized hazard assessment and insurance.

Cities in Lincoln County

ZIP codes in Lincoln County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.