Montana should not be flattened into a cold-and-fire stereotype. High wind leads the NOAA event record, thunderstorm wind is close behind, and winter storm and heavy snow remain large enough that the real household case is weather-driven duration across a sparse geography.
There is no public top-priority BPI county layer to lean on here. The stronger county signal comes from HHS emPOWER, which shows Yellowstone, Cascade, Lewis and Clark, Flathead, and Gallatin carrying the largest medical-device totals. That supports a statewide essentials-and-duration case rather than a narrow metro assumption.
Montana's most recent statewide FEMA declaration is already non-fire. DR-4745 keeps wildfire in view without letting the state's 21 fire-related declarations define the entire planning problem.