🌍 ClimateRiskCheck

Natural Disaster Risk in Scobey

Montana

3.3out of 10
Low Risk

Risk Summary for Scobey

Scobey scores 3.3/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Tsunami Volcanic Activity

All 18 Hazard Scores

Cold Wave
6.0
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Wildfire
4.6
Avalanche
4.5
Winter Weather
4.4
Drought
3.8
Hail
2.5
Hurricane
2.4
Extreme Heat
2.0
Tornado
1.9
Landslide
1.9
Ice Storm
1.9
Strong Wind
1.7
Earthquake
1.5
Lightning
1.5
Riverine Flooding
1.0

How it compares

Scobey
3.3
Montana avg.
4.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Below-average risk β€” standard coverage likely adequate

Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Scobey, Montana

Located in the northern tier of the continental United States in Daniels County, Scobey is a small community of about 1,180. 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 Scobey a community where hazard awareness has real practical value.

Scobey's overall natural disaster risk is rated 3.3/10 (Low) by FEMA's National Risk Index. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. Secondary hazards include tsunami and volcano.

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

Scobey carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk β€” cold wave β€” warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.

What this means for Scobey: 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 Scobey

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

Population

1,180

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Northern Continental

Latitude 48.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” summer fire risk

Fire score: 4.6/10

Coordinates

48.7892Β° N, 105.5184Β° W

Daniels 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 Scobey

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Scobey

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.