🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 59625

Helena, Montana

5.8out of 10
Moderate Risk

Risk Summary for ZIP 59625

ZIP 59625 scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Avalanche Landslide

All 18 Hazard Scores

Winter Weather
9.8
Landslide
9.6
Avalanche
9.6
Cold Wave
9.5
Wildfire
9.4
Earthquake
8.8
Lightning
7.1
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Extreme Heat
4.4
Drought
3.2
Strong Wind
3.1
Ice Storm
3.0
Hurricane
2.4
Hail
2.1
Tornado
2.0
Riverine Flooding
1.0

How it compares

ZIP 59625
5.8
Montana avg.
4.9
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 59625, Montana

ZIP 59625 covers part of the Helena 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 59625's composite natural disaster risk at 5.8 out of 10 β€” moderate risk. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Residents should also account for avalanche and landslide risk in their preparedness planning.

ZIP 59625's risk score, slightly above the 4.9/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are winter, avalanche, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 59625 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for winter is recommended.

What this means for ZIP 59625: Winter Weather preparedness

  • Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
  • Clear roof snow loads when heavy to prevent structural strain and ice dams.

Risk for the surrounding area

Local Factors for ZIP 59625

These city-level factors differentiate ZIP 59625 from other communities in Montana County and provide geographic context for its hazard exposure.

Population

663

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 46.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.4/10

Coordinates

46.6013Β° N, 112.0389Β° 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 59625

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

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.