Natural Disaster Risk — ZIP Code 59858

Natural Hazard Profile: ZIP 59858, Montana

ZIP 59858 in Philipsburg 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 59858 carries an overall risk score of 4.4/10, placing it in the moderate 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 landslide and wildfire.

Within Montana, ZIP 59858's risk is, slightly below the 4.9/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Montana identifies avalanche as the foremost hazard, followed by landslide and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 59858 residents are well-served by maintaining standard preparedness practices — 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.