Climate Risk Summary

Libby, MT Risk Profile

The primary drivers of climate-related financial risk in Libby, MT are Inland Flooding, Cold Wave, and Earthquake. 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 Libby.

Primary Risks

Inland Flooding

$951,044

Expected Annual Loss for Libby

83.0Score

Relatively High compared to US average

Libby
Minimal Estimated LossMax Estimated Loss

Cold Wave

$195,181

Expected Annual Loss for Libby

86.7Score

Relatively High compared to US average

Libby
Minimal Estimated LossMax Estimated Loss

Earthquake

$122,208

Expected Annual Loss for Libby

78.2Score

Relatively Moderate compared to US average

Libby
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$951,044
Score: 83.0
MAJOR DRIVER
Cold Wave
$195,181
Score: 86.7
MAJOR DRIVER
Earthquake
$122,208
Score: 78.2
UNUSUALLY HIGH
Winter Weather
$26,041
Score: 96.6
Heat Wave
$16,479
Score: 30.2
Lightning
$7,885
Score: 45.7
Strong Wind
$6,817
Score: 33.1
Wildfire
$3,250
Score: 78.1
Ice Storm
$3,229
Score: 45.6
Tornado
$2,578
Score: 7.6
Hail
$872
Score: 22.9
Landslide
$0
Score: 15.4

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

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 83.0
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 86.7
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.2
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 96.6
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 78.1

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

KelloggPonderaySandpointEurekaLittle Bitterroot Lake

Zip Codes in Libby

59923