Climate Risk Summary

Lewistown, MT Risk Profile

The primary drivers of climate-related financial risk in Lewistown, MT are Cold Wave, Inland Flooding, and Lightning. This area also faces an unusually high intensity for Winter Weather compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Lewistown.

Primary Risks

Cold Wave

$2,569,876

Expected Annual Loss for Lewistown

99.8Score

Very High compared to US average

Lewistown (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$712,203

Expected Annual Loss for Lewistown

49.2Score

Relatively Moderate compared to US average

Lewistown
Minimal Estimated LossMax Estimated Loss

Lightning

$172,359

Expected Annual Loss for Lewistown

99.2Score

Very High compared to US average

Lewistown (OUTLIER)
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Cold Wave
$2,569,876
Score: 99.8
MAJOR DRIVER
Inland Flooding
$712,203
Score: 49.2
MAJOR DRIVER
Lightning
$172,359
Score: 99.2
UNUSUALLY HIGH
Winter Weather
$124,408
Score: 99.6
Tornado
$31,186
Score: 34.6
Heat Wave
$20,231
Score: 23.3
Earthquake
$19,086
Score: 35.7
Hail
$16,334
Score: 61.6
Strong Wind
$10,157
Score: 32.0
Wildfire
$4,524
Score: 77.1
Ice Storm
$1,254
Score: 13.3
Drought
$72
Score: 71.7
Landslide
$0
Score: 22.2

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: 99.8
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.2
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.6
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 61.6
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 77.1
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 71.7

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

Camp ThreeLewistown Heights

Zip Codes in Lewistown

59457