Highest climate-risk ZIP codes in Montana
Top 25 highest FEMA NRI climate-risk counties in Montana (one representative ZIP per county). #1 is 59901 (Kalispell) at score 86.5. Compare hazard exposure on US5.
FEMA’s National Risk Index is published at the county level on US5, so every ZIP in the same county shares the same composite score. This board shows one representative ZIP per county (the most populous code in that county) ranked by NRI — a relative signal of natural-hazard exposure for planning and insurance context.
Highest county scores on this board: Flathead County (59901) at 86.5; Yellowstone County (59102) at 83.6; Cascade County (59405) at 83.1.
Open a representative ZIP for flood, wildfire, and hurricane component scores, plus a plain-language risk summary.
Open any ZIP for a full demographics, income, and housing profile, or return to the Montana state page for the complete ZIP table.
Ranked counties (representative ZIP)
FEMA NRI is county-level data. Each row shows the most populous ZIP in that county as a representative entry.
| # | ZIP | City | County | NRI risk score | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 59901 | Kalispell | Flathead County | 86.5 | 61,710 | $70,391 | $417,200 |
| 2 | 59102 | Billings | Yellowstone County | 83.6 | 48,700 | $75,140 | $307,400 |
| 3 | 59405 | Great Falls | Cascade County | 83.1 | 34,059 | $60,509 | $236,800 |
| 4 | 59718 | Four Corners | Gallatin County | 81.0 | 43,750 | $91,852 | $579,800 |
| 5 | 59840 | Hamilton | Ravalli County | 78.5 | 14,775 | $64,493 | $398,800 |
| 6 | 59801 | Missoula | Missoula County | 77.0 | 31,127 | $55,022 | $393,400 |
| 7 | 59601 | Helena | Lewis and Clark County | 71.2 | 31,822 | $70,502 | $355,000 |
| 8 | 59860 | Polson | Lake County | 67.7 | 11,580 | $59,883 | $386,100 |
| 9 | 59047 | Pray | Park County | 66.3 | 13,491 | $70,176 | $420,000 |
| 10 | 59923 | Happys Inn | Lincoln County | 64.3 | 9,885 | $45,332 | $241,400 |
| 11 | 59330 | West Glendive | Dawson County | 63.8 | 8,281 | $70,709 | $188,000 |
| 12 | 59068 | Red Lodge | Carbon County | 59.8 | 3,513 | $63,704 | $413,900 |
| 13 | 59034 | Hardin | Big Horn County | 57.2 | 4,972 | $59,559 | $178,200 |
| 14 | 59201 | Wolf Point | Roosevelt County | 54.5 | 5,345 | $47,361 | $131,800 |
| 15 | 59270 | Sidney | Richland County | 52.7 | 8,844 | $68,031 | $260,600 |
| 16 | 59417 | Starr School | Glacier County | 51.5 | 7,674 | $37,763 | $128,800 |
| 17 | 59501 | Herron | Hill County | 50.4 | 12,365 | $56,466 | $201,800 |
| 18 | 59043 | Lame Deer | Rosebud County | 49.7 | 2,771 | $31,958 | $114,500 |
| 19 | 59859 | Weeksville | Sanders County | 47.4 | 4,204 | $61,667 | $403,800 |
| 20 | 59526 | Fort Belknap Agency | Blaine County | 45.9 | 2,584 | $60,741 | $85,400 |
| 21 | 59457 | Lewistown | Fergus County | 45.1 | 9,215 | $59,682 | $205,500 |
| 22 | 59725 | Dillon | Beaverhead County | 42.9 | 8,223 | $57,967 | $279,000 |
| 23 | 59301 | Miles City | Custer County | 42.1 | 11,598 | $63,643 | $202,100 |
| 24 | 59729 | Ennis | Madison County | 41.0 | 2,700 | $75,625 | $475,200 |
| 25 | 59442 | Fort Benton | Chouteau County | 39.5 | 1,777 | $68,024 | $209,600 |
Frequently asked questions
Which areas in Montana have the highest climate or disaster risk?
FEMA NRI scores are county-level on US5. Flathead County ranks near the top at 86.5 (representative ZIP 59901). Higher scores indicate greater relative natural-hazard exposure.
How does US5 rank ZIP codes in Montana?
We rank one representative ZIP per county (highest population in the county) by FEMA NRI composite score from high to low. NRI is county-level data, so all ZIPs in a county share the same score.
Where can I explore all ZIP codes in Montana?
Visit the Montana state page for the full ZIP table, demographics summary, and sortable income/housing columns.