Natural Disaster Risk — ZIP Code 59276
Whitetail, Montana
Risk Summary for ZIP 59276
ZIP 59276 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 59276, Montana
ZIP 59276 in Whitetail sits in the northern tier of the continental United States. Its semi-arid climate produces cold winters, dry summers, and extreme temperature swings, and notably rapid chinook wind events and spring flooding. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 59276 carries an overall risk score of 3.3/10, placing it in the low category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to tsunami and volcano.
Within Montana, ZIP 59276's risk is, considerably below the 4.9/10 state average. Nationally, it ranks below the U.S. national average of 4.5/10. FEMA's analysis of Montana identifies cold wave as the foremost hazard, followed by tsunami and volcano. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Despite its lower-than-average risk classification, ZIP 59276 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 59276: 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.
Risk for the surrounding area
Local Factors for ZIP 59276
These city-level factors differentiate ZIP 59276 from other communities in Montana County and provide geographic context for its hazard exposure.
Population
31
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Northern Continental
Latitude 48.9°
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
48.9298° N, 105.2011° 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 59276
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.