🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 59043

Lame Deer, Montana

5.3out of 10
Moderate Risk

Risk Summary for ZIP 59043

ZIP 59043 scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Winter Weather Avalanche

All 18 Hazard Scores

Wildfire
9.6
Winter Weather
8.7
Avalanche
8.1
Cold Wave
8.1
Landslide
7.1
Lightning
6.0
Tsunami
5.4
Hail
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Drought
4.2
Extreme Heat
4.1
Earthquake
3.8
Strong Wind
2.8
Ice Storm
2.5
Hurricane
2.4
Tornado
2.1
Riverine Flooding
1.0

How it compares

ZIP 59043
5.3
Montana avg.
4.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

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

Natural Hazard Profile: ZIP 59043, Montana

ZIP 59043 covers part of the Lame Deer 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 59043's composite natural disaster risk at 5.3 out of 10 β€” moderate 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 winter and avalanche risk in their preparedness planning.

ZIP 59043's risk score, near the 4.9/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are wildfire, winter, and avalanche. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 59043 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wildfire is recommended.

What this means for ZIP 59043: 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 59043

These city-level factors differentiate ZIP 59043 from other communities in Montana County and provide geographic context for its hazard exposure.

Population

2,727

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 45.5Β°

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

45.5327Β° N, 106.6568Β° 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 59043

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.