🌍 ClimateRiskCheck

Natural Disaster Risk in Seeley Lake

Montana

6.2out of 10
High Risk

Risk Summary for Seeley Lake

Seeley Lake scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Landslide Wildfire

All 18 Hazard Scores

Avalanche
9.8
Wildfire
9.6
Landslide
9.6
Cold Wave
9.4
Earthquake
9.2
Ice Storm
9.2
Winter Weather
8.3
Lightning
6.9
Extreme Heat
6.0
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Strong Wind
3.1
Drought
2.6
Hurricane
2.4
Hail
2.4
Tornado
2.1
Riverine Flooding
1.0

How it compares

Seeley Lake
6.2
Montana avg.
4.9
US national avg.
4.5

Live Conditions

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🏠 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: Seeley Lake, Montana

Seeley Lake, in Missoula County, is a small community of about 1,797 situated in the northern tier of the continental United States. Its semi-arid climate brings cold winters, dry summers, and extreme temperature swings, and in particular rapid chinook wind events and spring flooding. These conditions collectively define the natural hazard environment that Seeley Lake residents and property owners must navigate.

Seeley Lake's overall natural disaster risk is rated 6.2/10 (High) by FEMA's National Risk Index. Snow avalanche exposure tops the local risk profile, with the area's mountain setting and annual snowfall loading producing regular avalanche cycles on steep slopes. Secondary hazards include landslide and wildfire.

Within Montana, Seeley Lake's risk is, slightly above the 4.9/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Missoula County identifies avalanche as the foremost hazard, followed by landslide and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Seeley Lake residents benefit from taking preparedness seriously. Reviewing insurance coverage for avalanche 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 Seeley Lake: Avalanche preparedness

  • Properties in runout zones may require specialized hazard assessment and insurance.
  • 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.

Local Factors for Seeley Lake

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

Population

1,797

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Northern Continental

Latitude 47.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.6/10

Coordinates

47.2140Β° N, 113.5353Β° W

Missoula 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 Seeley Lake

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Seeley Lake

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.