Natural Disaster Risk — ZIP Code 59263
Scobey, Montana
Risk Summary for ZIP 59263
ZIP 59263 scores 3.3/10 (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: ZIP 59263, Montana
Located in the northern tier of the continental United States, ZIP 59263 serves the Scobey community. The semi-arid climate of this part of Montana — bringing cold winters, dry summers, and extreme temperature swings — directly shapes the hazard exposure for properties in this postal area.
ZIP 59263's overall natural disaster risk is rated 3.3/10 (Low) by FEMA's National Risk Index. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. Secondary hazards include tsunami and volcano.
Relative to other U.S. communities, ZIP 59263's natural disaster risk is below the U.S. national average of 4.5/10, considerably below the 4.9/10 state average. The hazard distribution here is led by cold wave and tsunami, as measured by FEMA across Montana. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Despite its lower-than-average risk classification, ZIP 59263 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 ZIP 59263: Cold Wave preparedness
- Keep emergency heat and supplies ready in case of cold-related power outages.
- 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.
Risk for the surrounding area
Local Factors for ZIP 59263
These city-level factors differentiate ZIP 59263 from other communities in Montana County and provide geographic context for its hazard exposure.
Population
1,180
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Northern Continental
Latitude 48.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — summer fire risk
Fire score: 4.6/10
Coordinates
48.7892° N, 105.5184° 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 59263
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.