🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 59453

Judith Gap, Montana

3.9out of 10
Low Risk

Risk Summary for ZIP 59453

ZIP 59453 scores 3.9/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Wildfire Tsunami

All 18 Hazard Scores

Avalanche
8.4
Wildfire
5.7
Tsunami
5.4
Lightning
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Cold Wave
4.5
Winter Weather
3.8
Earthquake
3.4
Drought
3.4
Hail
3.3
Landslide
3.1
Hurricane
2.4
Extreme Heat
1.9
Ice Storm
1.9
Tornado
1.7
Strong Wind
1.5
Riverine Flooding
1.0

How it compares

ZIP 59453
3.9
Montana avg.
4.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Below-average risk β€” 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 59453, Montana

ZIP 59453 in Judith Gap 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 59453 carries an overall risk score of 3.9/10, placing it in the low category. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. The area also faces notable exposure to wildfire and tsunami.

Within Montana, ZIP 59453'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 avalanche as the foremost hazard, followed by wildfire and tsunami. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 59453 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 β€” avalanche β€” warrants awareness and appropriate insurance coverage, as lower risk does not mean zero risk.

What this means for ZIP 59453: Avalanche preparedness

  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.

Risk for the surrounding area

Local Factors for ZIP 59453

These city-level factors differentiate ZIP 59453 from other communities in Montana County and provide geographic context for its hazard exposure.

Population

331

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 46.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” summer fire risk

Fire score: 5.7/10

Coordinates

46.6590Β° N, 109.6700Β° 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 59453

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.