Valley County flood history
Montana · From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 250 flood insurance claims in Valley County, Montana since 1978. The NFIP paid $1.5 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 2011, with 92.
In the last ten years (2017–2026) there were 7 claims, and the average paid claim was $540.
41% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 0.3% of homes in Valley County, Montana had an NFIP flood policy in FEMA's latest count (17 of 5,960 residential buildings).
Since 2000, FEMA has made 6 flood-related disaster declarations covering Valley County, Montana. The most recent was DR-4726-MT (Flooding), declared August 12, 2023.
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2019 | 7 | $1,621 |
| 2014 | 2 | $11,029 |
| 2011 | 92 | $1.0 million |
| 2007 | 3 | $39,062 |
| 2005 | 1 | $10,479 |
| 2004 | 1 | $0 |
| 2000 | 1 | $0 |
| 1997 | 4 | $8,962 |
| 1996 | 2 | $3,855 |
| 1986 | 12 | $57,315 |
| 1985 | 4 | $23,733 |
| 1979 | 58 | $147,577 |
| 1978 | 63 | $216,696 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Flooding | 1986 | 3 | $18,458 |
How many homes have flood insurance
FEMA counts 17 residential NFIP policies in Valley County, against 5,960 residential buildings (0.3%). Private flood policies aren't in these counts.
Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?
Flood-related disaster declarations
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4726-MT | Aug 12, 2023 | Flooding | No |
| DR-4437-MT | May 24, 2019 | Flooding | No |
| DR-4388-MT | Aug 30, 2018 | Flooding | No |
| DR-4198-MT | Oct 9, 2014 | Severe Storms, Straight-Line Winds, and Flooding | No |
| DR-4127-MT | Jul 10, 2013 | Flooding | No |
| DR-1996-MT | Jun 17, 2011 | Severe Storms and Flooding | Yes |
Check your own address
County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Montana.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.