🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 59759

Whitehall, Montana

5.1out of 10
Moderate Risk

Risk Summary for ZIP 59759

ZIP 59759 scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Wildfire Avalanche

All 18 Hazard Scores

Landslide
9.6
Wildfire
9.0
Avalanche
8.4
Winter Weather
8.1
Earthquake
6.9
Cold Wave
6.7
Lightning
6.4
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Hail
3.0
Drought
3.0
Hurricane
2.4
Extreme Heat
2.2
Ice Storm
2.2
Strong Wind
1.9
Tornado
1.7
Riverine Flooding
1.0

How it compares

ZIP 59759
5.1
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 59759, Montana

ZIP 59759 in Whitehall 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 59759 carries an overall risk score of 5.1/10, placing it in the moderate category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to wildfire and avalanche.

Within Montana, ZIP 59759's risk is, near the 4.9/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Montana identifies landslide as the foremost hazard, followed by wildfire and avalanche. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 59759 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 landslide is recommended.

What this means for ZIP 59759: Landslide preparedness

  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.

Risk for the surrounding area

Local Factors for ZIP 59759

These city-level factors differentiate ZIP 59759 from other communities in Montana County and provide geographic context for its hazard exposure.

Population

3,631

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Cool Continental

Latitude 45.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.0/10

Coordinates

45.8397Β° N, 112.1623Β° 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 59759

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.