Flood history / Montana
Montana
flood claim history.
Across the 5 Montana ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $5.3M on 723 claims between 1978 and 2023. ZIP 59230 in Valley County carries the most at 211, 29.2% of the state total shown here.
The events driving the most paid claims across these ZIPs are Yellowstone Flooding (29 claims).
33.0% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every Montana ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 59230 | Valley County | 211 | $1.3M | 2011 71 |
| 59301 | Custer County | 155 | $400K | 1979 65 |
| 59404 | Cascade County | 135 | $244K | 1997 25 |
| 59047 | Park County | 121 | $2.8M | 1997 60 |
| 59101 | Yellowstone County | 101 | $485K | 1978 34 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.