Climate Risk Summary

Bonner-West Riverside, MT Risk Profile

The primary drivers of climate-related financial risk in Bonner-West Riverside, MT are Avalanche, Wildfire, and Inland Flooding. This area also faces an unusually high intensity for Cold Wave, Ice Storm, Landslide, and Winter Weather compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Bonner-West Riverside.

Primary Risks

Avalanche

$1,945,550

Expected Annual Loss for Bonner-West Riverside

91.2Score

Relatively Moderate compared to US average

Bonner-West Riverside
Minimal Estimated LossMax Estimated Loss

Wildfire

$364,158

Expected Annual Loss for Bonner-West Riverside

98.2Score

Relatively High compared to US average

Bonner-West Riverside
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$340,517

Expected Annual Loss for Bonner-West Riverside

41.2Score

Relatively Low compared to US average

Bonner-West Riverside
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Avalanche
$1,945,550
Score: 91.2
MAJOR DRIVER
Wildfire
$364,158
Score: 98.2
MAJOR DRIVER
Inland Flooding
$340,517
Score: 41.2
UNUSUALLY HIGH
Cold Wave
$271,706
Score: 93.1
Earthquake
$33,520
Score: 60.7
UNUSUALLY HIGH
Ice Storm
$23,516
Score: 90.6
UNUSUALLY HIGH
Landslide
$15,366
Score: 98.7
Lightning
$10,472
Score: 58.8
Heat Wave
$7,950
Score: 15.7
UNUSUALLY HIGH
Winter Weather
$6,882
Score: 81.8
Strong Wind
$4,946
Score: 29.2
Tornado
$1,680
Score: 5.7
Hail
$1,188
Score: 28.2

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: 91.2
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 98.2
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 93.1
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 60.7
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 90.6
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 98.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 58.8
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.8

Sources and Methodology

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 Cities

ArleeEast MissoulaHamiltonLoloMissoula

Zip Codes in Bonner-West Riverside

59802598085982359851