Natural Disaster Risk — ZIP Code 59241

Natural Hazard Profile: ZIP 59241, Montana

ZIP 59241 covers part of the Hinsdale 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 59241's composite natural disaster risk at 4.6 out of 10 — moderate risk. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Residents should also account for cold wave and winter risk in their preparedness planning.

ZIP 59241's risk score, near the 4.9/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are hail, cold wave, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 59241 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hail is recommended.