🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 59010

Bighorn, Montana

3.1out of 10
Low Risk

Risk Summary for ZIP 59010

ZIP 59010 scores 3.1/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Tsunami Volcanic Activity

All 18 Hazard Scores

Wildfire
6.8
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Drought
3.6
Cold Wave
2.8
Landslide
2.6
Hurricane
2.4
Winter Weather
2.3
Hail
1.9
Extreme Heat
1.9
Lightning
1.7
Ice Storm
1.7
Earthquake
1.5
Strong Wind
1.5
Tornado
1.4
Riverine Flooding
1.0

How it compares

ZIP 59010
3.1
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: ZIP 59010, Montana

ZIP 59010 covers part of the Bighorn area, in the northern tier of the continental United States. The surrounding region experiences cold winters, dry summers, and extreme temperature swings, with rapid chinook wind events and spring flooding shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 59010's composite natural disaster risk at 3.1 out of 10 β€” low risk. The threat of wildfire dominates the local risk environment, with hot, dry summers and abundant fuel creating dangerous fire conditions each year. Residents should also account for tsunami and volcano risk in their preparedness planning.

ZIP 59010's risk score, considerably below the 4.9/10 state average and below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are wildfire, tsunami, and volcano. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Despite its lower-than-average risk classification, ZIP 59010 is not immune to natural hazards. Basic preparedness β€” an emergency kit, awareness of seasonal risks, and property insurance that covers wildfire β€” remains prudent for all residents.

What this means for ZIP 59010: Wildfire preparedness

  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.

Risk for the surrounding area

Local Factors for ZIP 59010

These city-level factors differentiate ZIP 59010 from other communities in Montana County and provide geographic context for its hazard exposure.

Population

220

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 46.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” summer fire risk

Fire score: 6.8/10

Coordinates

45.9751Β° N, 107.3037Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 59010

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Montana

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.