🌍 ClimateRiskCheck

Natural Disaster Risk in Shepherd

Montana

6.7out of 10
High Risk

Risk Summary for Shepherd

Shepherd scores 6.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Cold Wave Wildfire

All 18 Hazard Scores

Winter Weather
9.9
Cold Wave
9.7
Wildfire
9.4
Lightning
9.0
Hail
8.4
Avalanche
8.1
Earthquake
7.8
Extreme Heat
7.6
Landslide
7.5
Strong Wind
6.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Ice Storm
4.5
Drought
4.4
Tornado
3.8
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Shepherd
6.7
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: Shepherd, Montana

Shepherd is a town of roughly 3,940 residents in Yellowstone County, in the northern tier of the continental United States. The area experiences cold winters, dry summers, and extreme temperature swings, with rapid chinook wind events and spring flooding shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Shepherd.

According to FEMA's National Risk Index, Shepherd carries an overall risk score of 6.7/10, placing it in the high category. The area faces significant winter hazard exposure, with nor'easters, ice storms, or blizzards regularly challenging transportation networks and power infrastructure. The area also faces notable exposure to cold wave and wildfire.

Shepherd's risk score, considerably above the 4.9/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Yellowstone County, the highest-scoring are winter, cold wave, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Shepherd residents benefit from taking preparedness seriously. Reviewing insurance coverage for winter 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 Shepherd: Winter Weather preparedness

  • Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
  • Clear roof snow loads when heavy to prevent structural strain and ice dams.

Local Factors for Shepherd

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

Population

3,940

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 46.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.4/10

Coordinates

46.0607Β° N, 108.3672Β° W

Yellowstone 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 Shepherd

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Shepherd

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.