Climate Risk Summary

Big Sky, MT Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Avalanche

$4,799,483

Expected Annual Loss for Big Sky

94.2Score

Relatively High compared to US average

Big Sky
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$869,597

Expected Annual Loss for Big Sky

71.6Score

Relatively Moderate compared to US average

Big Sky
Minimal Estimated LossMax Estimated Loss

Wildfire

$567,786

Expected Annual Loss for Big Sky

98.3Score

Relatively High compared to US average

Big Sky
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Avalanche
$4,799,483
Score: 94.2
MAJOR DRIVER
Inland Flooding
$869,597
Score: 71.6
MAJOR DRIVER
Wildfire
$567,786
Score: 98.3
UNUSUALLY HIGH
Cold Wave
$276,021
Score: 89.0
Earthquake
$173,748
Score: 79.4
UNUSUALLY HIGH
Winter Weather
$75,027
Score: 99.3
UNUSUALLY HIGH
Landslide
$47,704
Score: 99.3
UNUSUALLY HIGH
Lightning
$47,167
Score: 91.4
Hail
$28,912
Score: 75.5
Strong Wind
$10,494
Score: 38.5
Tornado
$3,797
Score: 9.3
Heat Wave
$2,596
Score: 3.6
Ice Storm
$942
Score: 12.4
Volcanic Activity
$0
Score: 40.9

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: 94.2
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 71.6
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 98.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.0
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 79.4
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.3
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 99.3
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 91.4
🧊Medium Investment

Hail Mitigation

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

Risk Score: 75.5

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

Nearby Cities

BelgradeBozemanFour CornersLivingstonManhattan

Zip Codes in Big Sky

5971659730