🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 59832

Drummond, Montana

4.4out of 10
Moderate Risk

Risk Summary for ZIP 59832

ZIP 59832 scores 4.4/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Landslide Wildfire

All 18 Hazard Scores

Avalanche
9.7
Landslide
9.3
Wildfire
9.0
Winter Weather
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Earthquake
4.5
Cold Wave
4.3
Ice Storm
4.1
Drought
2.7
Hurricane
2.4
Lightning
2.0
Hail
1.8
Extreme Heat
1.7
Tornado
1.5
Strong Wind
1.5
Riverine Flooding
1.0

How it compares

ZIP 59832
4.4
Montana avg.
4.9
US national avg.
4.5

Live Conditions

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🏠 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 59832, Montana

ZIP 59832 covers part of the Drummond 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 59832's composite natural disaster risk at 4.4 out of 10 β€” moderate risk. Snow avalanche exposure tops the local risk profile, with the area's mountain setting and annual snowfall loading producing regular avalanche cycles on steep slopes. Residents should also account for landslide and wildfire risk in their preparedness planning.

ZIP 59832's risk score, slightly below the 4.9/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are avalanche, landslide, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 59832 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 avalanche is recommended.

What this means for ZIP 59832: Avalanche preparedness

  • 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.
  • Properties in runout zones may require specialized hazard assessment and insurance.

Risk for the surrounding area

Local Factors for ZIP 59832

These city-level factors differentiate ZIP 59832 from other communities in Montana County and provide geographic context for its hazard exposure.

Population

962

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

High β€” long dry fire season

Fire score: 9.0/10

Coordinates

46.6786Β° N, 113.2290Β° 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 59832

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.