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This property has no specified land use zoning according to Risk Factor&#8217;s records. 
Risk Factor™ is not intended for commercial use. If you are interested in purchasing data on this property, you can get more information on bulk data purchases <a href="https://firststreet.org/data-access/">here</a> or sign up to be notified when Risk Factor Pro launches and individual property reports for non-residential properties become available. For personal or informational uses, please click &#8220;Show property information&#8221; below.
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IsResidential Null

<h2>Flood Factor is now <img class="alignnone" src="https://assets.riskfactor.com/uploads/2022/04/Risk-Factor-full-color-1-1.svg" alt="Risk Factor™" data-wp-editing="1" /></h2>
Risk Factor™ makes it even easier to find your risk of flooding with new and improved experience. Find past floods, current risks, and future projections based on peer-reviewed research from the world’s leading flood modelers and learn about your other environmental risks. You can also not understand your risk from wildfires!
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Flood Factor Redirect

This property has been identified as a non-residential or mixed use property.
Risk Factor™ is not intended for commercial use. If you are interested in purchasing data on this property, you can get more information on bulk data purchases <a href="https://firststreet.org/data-access/">here</a> or sign up to be notified when Risk Factor Pro™ launches which will allow you to access this property&#8217;s risk information.
Note this classification comes from county records and other providers and may still be in progress of being updated in newly developed residential areas.
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Non-residential

This property has been identified as having shared information with other addresses. 
To best understand what area is included in the analysis, you can view where the pin is located on the maps below. If the pin is on a building, the risk is related to that building. If the pin is not on a building, the risk is related to the point where the pin is located.
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Sorry, information is not available for this location. 
The data for this location is not available or under review based on new and improved data related to its (peril) risk. It will be available in a future Risk Factor™ release. Learn more on the <a href="https://help.riskfactor.com/hc/en-us">Help Center</a> or <a href="https://mailchi.mp/riskfactor/signup">sign up to be notified</a> about future releases.
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Sorry, information is not available for this property. 
The data for this location is not available or under review based on new and improved data related to its risk. It will be available in a future Risk Factor™ release. Learn more on the <a href="https://help.riskfactor.com/hc/en-us">Help Center</a> or <a href="https://mailchi.mp/riskfactor/signup">sign up to be notified</a> about future releases.
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commercial properties [tooltip name="flood-localitycommercial" content="" /]

In addition to damage on properties, flooding can also cut off access to utilities, emergency services, transportation, and may impact the overall economic well-being of an area.

infrastructure facilities [tooltip name="flood-localityinfrastructure" content="" /]

homes [tooltip name="flood-localityresidential" content="" /]

miles of roads [tooltip name="flood-localityroads" content="" /]

There are 141,541 properties in Montana that have greater than a 26% chance of being severely affected by flooding over the next 30 years. This represents 22% of all properties in Montana.

social facilities [tooltip name="flood-localitysocial" content="" /]

Montana Flood Risk [tooltip name="flood-communityoverall" content="" /]

Communities that adapt to higher risks can limit damage and lower flood insurance costs. Montana is already investing in flood risk reduction projects, but more may be needed. <a href="https://riskfactor.com/solutions/flood">Learn more about solutions.</a>

Known adaptation measures [tooltip name="flood-adaptationcount" content="" /]

Properties protected by adaptation [tooltip name="flood-adaptationprotected" content="" /]

Lowering flood risk starts with higher standards. Some places plan to a higher standard (a &#8220;500 year&#8221; standard) that lowers the number of properties at severe risk. Protecting homes to this level would reduce the risk to the 141,541 severely affected properties.

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Note: 10,913 properties in this area are protected by an <a href="https://help.riskfactor.com/hc/en-us/articles/360051062333-Adaptation-types">adaptation</a>. While the above projections take into account this reduction, risks may substantially increase in the event of failure.

Deeper floods from major events, like hurricanes, are less likely to occur, but affect more properties than more shallow flood events, like heavy rains.

Today [tooltip name="flood-propertiesriskcountthisyear" content="" /]

In 30 years [tooltip name="flood-propertiesriskcount30y" content="" /]

Note: 10,913 properties in this area are protected by an <a href="https://help.riskfactor.com/hc/en-us/articles/360051062333">adaptation</a>.

Risk Factor™️ has no [tooltip name="flood-recreatedmodel" content="recreated models" /] of flooding events near Montana, but that doesn&#8217;t mean this area has never flooded in the past. 
<a href="https://help.riskfactor.com/hc/en-us/articles/360050783973" rel="noopener" target="_blank">Learn more about historic flood events.</a>

Depth of flooding (ft.) [tooltip name="flood-historiclocalitycount" content="" /]

Properties impacted in Montana[tooltip name="flood-historicoverall" content="" /]

A changing environment means higher seas, new weather patterns, and stronger storms. As the atmosphere warms, there is more evaporation and more water available when it rains. A warmer atmosphere also means warmer oceans, which can intensify flooding from hurricanes and offshore storms. Sea level rise also increases coastal flood risks, as higher seas mean there’s more water available when high tides and coastal storms cause flooding.
Learn more about the environmental factors increasing flood risk <a class='underline text-floodfactor-500 hover:text-floodfactor-300' href="https://riskfactor.com/environmental-changes/flood">here</a>.

Individuals, mayors, governors, and Congress can work together to build protections before flooding, build back stronger after flooding, and create plans that future-proof communities.

Explore more solutions <a class="underline text-floodfactor-500 hover:text-floodfactor-300" href="https://riskfactor.com/solutions/flood#personalsolutions">here</a>.

account-credits

Credits can be used to unlock Pro property reports at no cost.
All Pro subscribers get 1 credit at sign up. More credits can be added with a Credit Promo Code.

Heat-CoolingDaysRounding

This is the number of days per year estimated to required cooling based on the &#8220;desired cooling temp&#8221; above. The totals may vary slightly from the chart due to rounding.

Fire-FireFactorVideo

A property&#8217;s Fire Factor indicates its cumulative wildfire risk, ranging from 1 (minimal) to 10 (extreme). Properties with higher Fire Factors are more likely to be in a wildfire during the next 30 years.

Flood Factor Fundaments thumbnail-1

Flood-RecreatedModel

Risk Factor&#8217;s historic data is based on recreated models of flood events and not on recorded levels of flooding. While there may be some slight discrepancies from observed events this methodology meets statistical standards for accuracy and has been validated accordingly. <a href="https://help.riskfactor.com/hc/en-us/articles/360050783973-How-were-historic-floods-recreated-for-Flood-Factor-" rel="noopener" target="_blank">Learn more</a>.

Flood-SliderExplained

Homes with severe flood risk or with 30 year flood risk that is the same as current flood risk may not see any change on the flood projections map.

Fire-EmberCast

Wildfires produce large pieces of burning debris known as embers, which can be carried several miles from an active wildfire by wind and smoke. When flying embers land on a burnable material such as dried fuels or possibly even in a building, it causes fire to spread through a process known as spotting. Ember risk should be considered by owners of at-risk properties and precautionary measures should be taken to further reduce susceptibility.

Fire-MaxFlameLength

The maximum estimated height, or length, of flames at this location based on all fire scenarios where fire reached the largest building on this property.

Fire-AverageFlameLength

The average estimated height, or length, of flames at this location based on all fire scenarios where fire reached the largest building on this property.

Fire-Maps-EmberCast

Fire-SliderExplainedNonresidential

Buildings with 30 year wildfire risk that is the same as current wildfire risk may not see any change on the wildfire risk probability map.

Fire-propertyDetails-defensibleSpace5ft

If there is no vegetation or flammable materials within 5 ft of the building, and the proportion of vegetation or flammable materials within 50 ft of the building is less than 15% then it is low risk.

Flood-DamageEstimate

The estimated cost of all potential flood damages, based on this property&#8217;s flood projections. <a href="https://help.floodfactor.com/hc/en-us/articles/1500002966002-How-are-flood-damage-estimates-and-Flood-Factor-scores-related-">Learn more.</a>

Heat-EnergyUseChange

The estimated change in energy use is based on the change in days required cooling.

Overview-OverallPropertyDetails

Property details can be adjusted within the Pro experience by going to any of the &#8220;Damages&#8221; pages. Adjusting property details will not change the property&#8217;s risk from environmental impacts, as that is based on the property&#8217;s location, but it could impact the damage consequences associated with that risk.

Fire-CompleteDestruction

This shows the likelihood of the structure being completely destroyed if wildfire were to reach it. This takes into account the height of the flame length and the property and building characteristics such as the defensible space and fire proofing upgrades.

Flood-FEMAZone

Federal Emergency Management Agency (FEMA) flood maps are primarily used to determine flood insurance requirements and do not determine a property&#8217;s Flood Factor. It is estimated that this property is in FEMA Zone . <a href="https://help.riskfactor.com/hc/en-us/articles/360048256493-Understand-the-differences-between-FEMA-flood-zones">Learn more about zone differences. </a>

fire-consequences-likelihood

The chance of being destroyed or reached by wildfire this year.

Flood-FloodFactorVideo

A property&#8217;s Flood Factor indicates its comprehensive flood risk, ranging from 1 (minimal) to 10 (extreme). Properties with higher Flood Factors are either more likely to flood, more likely to experience high floods, or both.

Flood Factor Fundaments thumbnail

Heat-MaxMonthlyTemp

This is the average high &#8220;feels like&#8221; temperature in the hottest month of the year in this area.

Fire-Maps-flameMaxTitle

This is the maximum expected flame length of a wildfire if one were to reach this property. Another way to think about this is a worst case scenario.

Fire-Maps-flameDescription

A hotter wildfire will have higher flames and reach more of the building, making it more likely to cause damage, while a low-burning fire is less likely to be as destructive.

Fire-Maps-flameAvgTitle

This is the average expected flame length of a wildfire if one were to reach this property.

Fire-Maps-embersTitle

This is the degree to which this area is impacted by flying embers. Embers are large pieces of burning debris, which can be carried several miles from an active wildfire by wind and smoke.

Fire-Maps-likelihoodDescription

Risk Factor Pro aggregates how risks are accumulating and changing over time, which means even very small chances of wildfire occurring in a given year can add up to a bigger chance over time.

Fire-Maps-likelihoodStat

Read about the fire model methodology behind Risk Factor Pro <a href="https://riskfactor.com/methodology/fire" rel="noopener" target="_blank">here</a>.

Fire-Maps-likelihoodTitle

Likelihood of wildfire is defined as the chance of being in a wildfire. Ember zone is defined as areas impacted flying embers. Embers are large pieces of burning debris, which can be carried several miles from an active wildfire by wind and smoke.

Flood-MapsVeryRegularEvent

This type of event has a likelihood of occurring once every 2 years and has the capability to bring higher flood depths than a more likely event.

Flood-MapsRegularEvent

This type of event has a likelihood of occurring once every 5 years and has the capability to bring higher flood depths than a more likely event.

Flood-MapsVeryProbableEvent

This type of event has a likelihood of occurring once every 20 years and has the capability to bring higher flood depths than a more likely event.

Flood-MapsProbableEvent

This type of event has a likelihood of occurring once every 100 years and has the capability to bring higher flood depths than a more likely event.

Flood-MapsVeryRareEvent

This type of event has a likelihood of occurring once every 500 years and has the capability to bring higher flood depths than a more likely event.

Flood-MapCurrentFuture

The depth of water estimated at the footprint of the largest building on this property. If this property is undeveloped or vacant, this represents the depth of water estimated at the center of the property. Read about the flood model methodology behind Risk Factor Pro <a href="https://help.riskfactor.com/hc/en-us/search?utf8=%E2%9C%93&amp;query=methodology">here</a>.

Flood-ConsequencesAnnualizedDamages

Annualized damages are calculated by multiplying the likelihood of a flooding event to happen in a given year by the damage it would cause. As a changing environment makes floods more common and severe, the annual damage forecasted each year goes up.

Flood-ConsequencesbyLikelihood

Flood depth can vary depending on how likely a flood event is to occur. Events that are less likely have the capability to bring higher flood depths than a more likely event.

Flood-ConsequencesbyDepth

Flood depth can vary depending on the severity of the event. This can also impact the potential damages incurred by a property in a flood.

overallDetails-squareFootagePrice

Calculated by dividing the cost of rebuilding this structure (not including contents like furniture or appliances) by the square footage of the structure. For example, a structure with a rebuild cost of $100,000 that is 10,000 square feet will have a price per square foot of $10.

Heat-propertyDetails-electricRate

The cost per kWh of electricity as specified on the building&#8217;s energy bill. The average cost in per kWh in the US is $0.144

Heat-propertyDetails-coolingTemp

The interior temperature set on the building&#8217;s cooling system or air conditioning unit

Heat-propertyDetails-Title

Building details that affect what damages will be experienced as a result of heat

Flood-propertyDetails-basementFinish

If the building has a basement, whether or not the basement is finished

Flood-propertyDetails-basement

Specifies whether or not the building has a basement

Flood-propertyDetails-groundFloorElevation

The height of the ground floor of the building above the lowest point of the building footprint that could be reached by flooding. This is measured by finding the lowest point of the ground outside your building that makes contact with the building footprint, and measuring vertically to the elevation of the ground floor of your building.

Flood-propertyDetails-Title

Details about the property that are used to calculate damages related to risk from flood

Fire-propertyDetails-fireproofingUpgrades

Building modifications implemented to make the building more resilient to wildfire

Fire-propertyDetails-defensibleSpace50ft

Proportion of vegetation or flammable materials within 50 ft surrounding building is <15%

Fire-propertyDetails-defensibleSpaceConsequences

Check &#8220;yes&#8221; if there is no vegetation or flammable materials within 5 ft of the building, and the proportion of vegetation or flammable materials within 50 ft of the building is less than 15%.

Fire-propertyDetails-roofType

The construction material used for the roof of your building

Fire-propertyDetails-Title

Details about the property that are used to calculate damages related to risk from wildfire

overallDetails-squareFootage

overallDetails-numberOfUnits

The number of apartments, residences, or separate rental spaces that comprise the building

overallDetails-buildingMaterial

The primary material used to construct this building

overallDetails-numberOfStories

The number of stories of the building on this property

overallDetails-numberOfAcres

overallDetails-yearBuilt

The year the building on this property was built

overallDetails-LandUseType

The general activity that takes place on this property

general-overallPropertyDetailsTitle

Details about the property that are used to calculate damages related to risk from flood, wildfire, and heat

fire-consequencesflamelength

Wildfire intensity can vary due to factors like wind, air temperature, relative humidity, and precipitation. This can also impact the potential damages incurred by a property in a wildfire.

fire-consequences-consequencesOverTimeTitle

Wildfire risk can change over time. This can also impact the potential damages incurred by a property in a wildfire.

Flood-LocalitySevereDefinition

Severely affected refers to the water being, at a minimum, to the edge of the building. For residential properties, if water did not make it over the threshold, it may still do extensive damage to a lower lying garage, basement, crawl space, yard or parked car. For commercial properties and government buildings, workers, customers and citizens may not be able to safely access the building during a flood.

Flood-EventDefinition

Flood return period terms like &#8220;500-year flood&#8221; are references to probability and not necessarily tied to historical occurrence. South Bend, IN, for example, experienced two 1-in-500+ flood events between 2016 and 2018.

Flood-WaterToBuilding30y

The depth of water estimated at the footprint of the largest building on this property if a severe flooding event were to occur 30 years from now. If the property does not have a building, this is the depth of water reaching the center of the property.

Flood-WaterToBuildingCurrent

The depth of water estimated at the footprint of the largest building on this property if a severe flooding event were to occur today. If the property does not have a building, this is the depth of water reaching the center of the property.

Flood-Accumulates

Flood risk accumulates over time. So a property with a 1% chance of flooding this year would have a 26% chance of flooding at least once within 30 years. The probability of flood water reaching the building does not take into account the building&#8217;s foundation elevation or individual protection efforts. It only indicates the risk of water reaching the building. If there is no record of a building on the property flooding is measured to the center of the parcel. <a href="https://help.riskfactor.com/hc/en-us/articles/360048263033-About-probabilities">Learn more</a>.

Heat-SurroundingArea

The &#8220;surrounding area&#8221; for a property is defined as the average for all properties within a 4km radius.

Heat-HotDayTempDefinedState

A &#8220;hot day&#8221; is determined at the property level by using the 98th percentile &#8220;feels like&#8221; temperature in the 4km area around the property, or in other words, the temperature on the hottest 7 days in that 4km area this year. These &#8220;hot day&#8221; temperatures are then averaged across the county a property is located in for the purposes of comparing across the state and the Continental US. While most places will have ~7 hot days this year, the number of hot days varies widely 30 years into the future. Hotter areas or areas with a bigger increase in temperature have more hot days, while cooler areas tend to have lesser increases in the number of hot days. Learn more about hot days <a class='underline text-heatfactor-500 hover:text-heatfactor-300' href="https://help.riskfactor.com/hc/en-us/articles/7928501959447" rel="noopener" target="_blank">here</a>.

Heat-ConsecutiveHotDaysDefined

The number of days above the local 98th percentile or &#8220;hot day&#8221; temperature based on a 75% likelihood of occurrence.

Heat-HotDayTempDefinedLocality

The number of days exceeding what is considered a hot day in this area. This is defined by using the 98th percentile &#8220;feels like&#8221; temperature in this area, or in other words looking at the hottest 7 days in the area for a given year and using the lowest &#8220;high&#8221; temperature from those 7 days as a base. There may be more or less hot days in the area depending on its exposure to heat. Learn more about hot days <a class='underline text-heatfactor-500 hover:text-heatfactor-300' href="https://help.riskfactor.com/hc/en-us/articles/7928501959447" rel="noopener" target="_blank">here</a>.

Heat-HeatFactor

A property&#8217;s Heat Factor indicates its relative risk to heat, taking into account both how heat in the area compares to the rest of the country, and how things like shade, greenspace, and proximity to water affect heat at the property relative to other nearby properties. Learn more about how Heat Factor is calculated <a class='underline text-heatfactor-500 hover:text-heatfactor-300' href="https://help.riskfactor.com/hc/en-us/articles/7948167738263" rel="noopener" target="_blank">here</a>.

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Heat-FeelsLikeTemp

&#8220;Feels like&#8221; temperature is another word for &#8220;heat index&#8221; which is the result of combining air temperature with humidity to describe how heat feels due to the moisture content in the air. This is an important measure of temperature because this felt experience of heat is an important indicator of our bodies&#8217; ability to cool itself and stay safe on hot days.

General-Hippo

Quotes are aggregated by Hippo Insurance Services, a technology company that offers multiple coverage options to help you find the right insurance policy for your home. Risk Factor is an independent, non-profit risk-communication tool and does not sell insurance.

Heat-HeatIsland

Heat Islands are developed areas that experience higher temperatures than adjacent areas due to the density of manmade structures, human activity, lack of greenspace, or some combination thereof. Heat islands have a propensity to absorb and re-emit heat as opposed to natural landscapes that mitigate the effects of heat. Learn more about the heat island effect <a class='underline text-heatfactor-500 hover:text-heatfactor-300' href="https://help.riskfactor.com/hc/en-us/articles/7947597830039" rel="noopener" target="_blank">here</a>.

Heat-LocalityOverallRisk

All properties have some exposure to heat risk. Community heat risk is based on the level of risk to these properties, not the proportion of these properties at risk. Learn more about community risks <a class='underline text-heatfactor-500 hover:text-heatfactor-300' href="https://help.riskfactor.com/hc/en-us/articles/7947334046487" rel="noopener" target="_blank">here</a>.

Heat-DegreeRisks

Health risks at the specified temperature according to <a class='underline text-heatfactor-500 hover:text-heatfactor-300' href="https://www.weather.gov/ffc/hichart" rel="noopener" target="_blank">National Weather Service guidelines</a> for heat caution. Learn more about heat safety guidelines <a class='underline text-heatfactor-500 hover:text-heatfactor-300' href="https://help.riskfactor.com/hc/en-us/articles/7948404300567" rel="noopener" target="_blank">here</a>.

Heat-125DegreeDays

The projected number of days in the specified year with a &#8220;feels like&#8221; temperature at or above 125°F, including and up to the hottest day of the year at this location.

Heat-100DegreeDays

The projected number of days in the specified year with a &#8220;feels like&#8221; temperature at or above 100°F, including and up to the hottest day of the year at this location.

Heat-90DegreeDays

The projected number of days in the specified year with a &#8220;feels like&#8221; temperature at or above 90°F, including and up to the hottest day of the year at this location.

Heat-80DegreeDays

The projected number of days in the specified year with a &#8220;feels like&#8221; temperature at or above 80°F, including and up to the hottest day of the year at this location.

Heat-HeatWaveLikelihoodFuture

The likelihood of 3+ days at the 98th percentile, or &#8220;hot day,&#8221; temperature in 30 years. Learn more about heat waves <a class='underline text-heatfactor-500 hover:text-heatfactor-300' href="https://help.riskfactor.com/hc/en-us/articles/7928501959447" rel="noopener" target="_blank">here</a>.

Heat-HeatWaveLikelihoodToday

The likelihood of 3+ days at the 98th percentile, or &#8220;hot day,&#8221; temperature this year. Learn more about heat waves <a class='underline text-heatfactor-500 hover:text-heatfactor-300' href="https://help.riskfactor.com/hc/en-us/articles/7928501959447" rel="noopener" target="_blank">here</a>.

Heat-HeatWaveLengthFuture

The number of consecutive days at the 98th percentile, or &#8220;hot day,&#8221; temperature in 30 years. Learn more about consecutive hot days and heat waves <a class='underline text-heatfactor-500 hover:text-heatfactor-300' href="https://help.riskfactor.com/hc/en-us/articles/7948768389015" rel="noopener" target="_blank">here</a>.

Heat-HeatWaveLengthToday

The number of consecutive days at the 98th percentile, or &#8220;hot day,&#8221; temperature this year. Learn more about consecutive hot days and heat waves <a class='underline text-heatfactor-500 hover:text-heatfactor-300' href="https://help.riskfactor.com/hc/en-us/articles/7948768389015" rel="noopener" target="_blank">here</a>.

Does Montana have risk?

Is Montana protected from flooding?

How can communities begin to protect themselves?

How will Montana's risk change?

Are there past examples?

Why is risk changing?

What else can communities do?