Climate Risk Summary

Zip Code 59756, Risk Profile

The primary drivers of climate-related financial risk in Anaconda-Deer Lodge County, MT (59756) are Avalanche, Cold Wave, and Inland Flooding. This area also faces an unusually high intensity for Wildfire, Winter Weather, Lightning, and Landslide compared to national averages.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Avalanche

$6,697,782

Expected Annual Loss for Zip Code 59756

91.1Score

Relatively High compared to US average

59756
Minimal Estimated LossMax Estimated Loss

Cold Wave

$1,255,809

Expected Annual Loss for Zip Code 59756

95.7Score

Very High compared to US average

59756
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,086,608

Expected Annual Loss for Zip Code 59756

36.2Score

Relatively Moderate compared to US average

59756
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Avalanche
$6,697,782
Score: 91.1
MAJOR DRIVER
Cold Wave
$1,255,809
Score: 95.7
MAJOR DRIVER
Inland Flooding
$1,086,608
Score: 36.2
Earthquake
$224,001
Score: 69.1
UNUSUALLY HIGH
Wildfire
$158,118
Score: 87.6
UNUSUALLY HIGH
Winter Weather
$148,902
Score: 98.9
UNUSUALLY HIGH
Lightning
$138,681
Score: 93.8
Strong Wind
$30,202
Score: 42.6
Hail
$26,692
Score: 57.6
Tornado
$19,451
Score: 19.7
UNUSUALLY HIGH
Landslide
$11,395
Score: 90.6
Heat Wave
$9,032
Score: 4.8
Ice Storm
$6,424
Score: 30.4
Drought
$463
Score: 71.4

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🏠Low Investment

Avalanche Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.1
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.7
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 36.2
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 87.6
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.9
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 93.8
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 90.6

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 59711Zip Code 59722Zip Code 59701Zip Code 59748Zip Code 59750Zip Code 59762