🌍 ClimateRiskCheck

Natural Disaster Risk in Madison County

Montana

5.3out of 10
Moderate Risk

Risk Summary for Madison County

Madison County scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Landslide Volcanic Activity

All 18 Hazard Scores

Avalanche
9.9
Landslide
9.6
Volcanic Activity
9.3
Wildfire
8.9
Earthquake
8.2
Winter Weather
6.3
Cold Wave
6.0
Tsunami
5.4
Coastal Flooding
4.9
Lightning
4.4
Drought
3.9
Hail
3.4
Hurricane
2.4
Ice Storm
2.3
Extreme Heat
1.8
Strong Wind
1.7
Tornado
1.6
Riverine Flooding
1.0

How it compares

Madison County
5.3
Montana avg.
4.9
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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: Madison County, Montana

Situated in the United States, Madison County in Montana experiences a semi-arid climate marked by cold winters, dry summers, and extreme temperature swings. Rapid chinook wind events and spring flooding is a defining feature of the regional hazard profile that affects residents and property owners countywide.

FEMA rates Madison County's composite natural disaster risk at 5.3 out of 10 β€” moderate risk. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. Residents should also account for landslide and volcano risk in their preparedness planning.

Relative to other U.S. communities, Madison County's natural disaster risk is above the U.S. national average of 4.5/10, near the 4.9/10 state average. The hazard distribution here is led by avalanche and landslide, as measured by FEMA across Madison County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Madison 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 Madison County: Avalanche preparedness

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

Cities in Madison County

ZIP codes in Madison County

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