Natural Disaster Risk in Terry
Montana
Risk Summary for Terry
Terry scores 3.6/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Cold Wave.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — 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: Terry, Montana
Terry, in Prairie County, is a small community of about 1,025 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 Terry residents and property owners must navigate.
Terry's overall natural disaster risk is rated 3.6/10 (Low) by FEMA's National Risk Index. Cold wave events are the primary hazard risk, driven by periodic invasions of Arctic air that drive wind chills to life-threatening levels and stress heating systems. Secondary hazards include wildfire and tsunami.
Within Montana, Terry's risk is, slightly below the 4.9/10 state average. Nationally, it ranks below the U.S. national average of 4.5/10. FEMA's analysis of Prairie County identifies cold wave as the foremost hazard, followed by wildfire and tsunami. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Despite its lower-than-average risk classification, Terry is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers cold wave — remains prudent for all residents.
What this means for Terry: Cold Wave preparedness
- 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.
- Keep emergency heat and supplies ready in case of cold-related power outages.
Local Factors for Terry
These city-level factors differentiate Terry from other communities in Prairie County and provide geographic context for its hazard exposure.
Population
1,025
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 46.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — summer fire risk
Fire score: 6.6/10
Coordinates
46.8728° N, 105.4839° W
Prairie 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 Terry
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Terry
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.