Natural Disaster Risk — ZIP Code 59354

Natural Hazard Profile: ZIP 59354, Montana

ZIP 59354 in Willard 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 59354 carries an overall risk score of 3.8/10, 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 winter and wildfire.

Within Montana, ZIP 59354's risk is, slightly 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 winter and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 59354 carries a below-average natural disaster risk, reflecting fewer and less severe hazard exposures than typical U.S. communities. Even so, the area's primary risk — cold wave — warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.