🌍 ClimateRiskCheck

Natural Disaster Risk in Miles City

Montana

5.4out of 10
Moderate Risk

Risk Summary for Miles City

Miles City scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Winter Weather Wildfire

All 18 Hazard Scores

Cold Wave
8.9
Winter Weather
8.8
Wildfire
8.7
Lightning
8.0
Strong Wind
6.5
Landslide
6.4
Hail
5.4
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Extreme Heat
4.7
Avalanche
4.5
Earthquake
4.0
Drought
3.6
Tornado
2.7
Ice Storm
2.5
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Miles City
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: Miles City, Montana

Located in the northern tier of the continental United States in Custer County, Miles City is a city of approximately 11,643 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 Miles City a community where hazard awareness has real practical value.

FEMA rates Miles City's composite natural disaster risk at 5.4 out of 10 β€” moderate risk. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. Residents should also account for winter and wildfire risk in their preparedness planning.

Relative to other U.S. communities, Miles City'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 cold wave and winter, as measured by FEMA across Custer County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Miles City 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 cold wave is recommended.

What this means for Miles City: Cold Wave preparedness

  • Keep emergency heat and supplies ready in case of cold-related power outages.
  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
  • Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.

Local Factors for Miles City

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

Population

11,643

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 46.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 8.7/10

Coordinates

46.3602Β° N, 105.8505Β° W

Custer 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 Miles City

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Miles City

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.