Climate Risk Summary

Zip Code 59427, Risk Profile

The primary drivers of climate-related financial risk in Cut Bank, MT (59427) are Cold Wave, Inland Flooding, and Wildfire. This area also faces an unusually high intensity for Winter Weather, Lightning, and Drought 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

Cold Wave

$2,162,995

Expected Annual Loss for Zip Code 59427

99.6Score

Very High compared to US average

59427 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,704,900

Expected Annual Loss for Zip Code 59427

82.1Score

Very High compared to US average

59427
Minimal Estimated LossMax Estimated Loss

Wildfire

$147,771

Expected Annual Loss for Zip Code 59427

90.5Score

Relatively High compared to US average

59427
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Cold Wave
$2,162,995
Score: 99.6
MAJOR DRIVER
Inland Flooding
$1,704,900
Score: 82.1
MAJOR DRIVER
Wildfire
$147,771
Score: 90.5
Earthquake
$103,406
Score: 68.2
UNUSUALLY HIGH
Winter Weather
$74,073
Score: 98.0
UNUSUALLY HIGH
Lightning
$62,645
Score: 90.2
Strong Wind
$33,156
Score: 61.7
UNUSUALLY HIGH
Drought
$17,736
Score: 88.8
Heat Wave
$11,834
Score: 12.3
Hail
$7,699
Score: 46.7
Tornado
$3,232
Score: 5.9
Ice Storm
$1,280
Score: 13.1
Landslide
$544
Score: 70.8

Recommended Mitigation Strategies

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

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.6
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 82.1
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 90.5
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 98.0
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.2
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 88.8

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

Nearby Locations

Zip Code 59417Zip Code 59486Zip Code 59484Zip Code 59435Zip Code 59454Zip Code 59448
59427 Climate Risk Report | Cut Bank, MT