Flood risk in Montana
FEMA NFIP historical claims and active policies aggregated by county. Pick a county to see total paid, average claim amount, and active policy count.
Counties with claims
37
of 44 reporting
Total NFIP claims
435
Total claims paid
$5,720,587
Active policies
585
Highest flood risk counties
Claims per 1,000 housing units. Higher means a larger share of homes have a documented claim on file.
- 1.Valley County18.00 / 1k
- 2.Musselshell County7.96 / 1k
- 3.Custer County6.00 / 1k
- 4.Stillwater County5.52 / 1k
- 5.Park County3.60 / 1k
- 6.Wheatland County3.43 / 1k
- 7.Carbon County3.23 / 1k
- 8.Phillips County2.86 / 1k
- 9.Liberty County2.81 / 1k
- 10.Fergus County1.35 / 1k
Lowest flood risk counties
Claims per 1,000 housing units, restricted to counties of at least 25,000 residents.
- 1.Lake County0.08 / 1k
- 2.Gallatin County0.23 / 1k
- 3.Silver Bow County0.27 / 1k
- 4.Ravalli County0.32 / 1k
- 5.Missoula County0.59 / 1k
- 6.Flathead County0.76 / 1k
- 7.Cascade County0.84 / 1k
- 8.Yellowstone County0.93 / 1k
- 9.Lewis and Clark County1.19 / 1k
Counties by historical claims
Sorted by total claims, highest first. Historical totals do not capture uninsured properties or future climate shifts.
- County63 claims · low
- County51 claims · high
- County36 claims · moderate
- County32 claims · low
- County30 claims · low
- County30 claims · moderate
- County29 claims · moderate
- County29 claims · low
- County21 claims · moderate
- County17 claims · moderate
- County15 claims · moderate
- County11 claims · low
- County7 claims · moderate
- County6 claims · low
- County5 claims · moderate
- County5 claims · low
- County5 claims · moderate
- County4 claims · moderate
- County4 claims · moderate
- County4 claims · low
- County3 claims · moderate
- County3 claims · low
- County3 claims · moderate
- County3 claims · moderate
- County3 claims · low
- County2 claims · low
- County2 claims · low
- County2 claims · moderate
- County2 claims · low
- County1 claims · moderate
- County1 claims · low
- County1 claims · low
- County1 claims · low
- County1 claims · low
- County1 claims · low
- County1 claims · low
- County1 claims · low
- County0 claims · low
- County0 claims · low
- County0 claims · low
- County0 claims · low
- County0 claims · low
- County0 claims · low
- County0 claims · low
How to read this
Historical claims show where NFIP-insured properties have actually filed. They under-count uninsured properties and don't forecast future risk from climate, upstream development, or new mitigation projects. For parcel-specific flood-zone designations, use FEMA's Map Service Center.
Data sources
Disclaimer. HomeRule is not a real estate agent, lender, appraiser, or financial advisor. This content is for educational and informational purposes only. Actual costs vary significantly by property, location, and individual circumstances. Consult qualified professionals for personalized advice.