Flood insurance claims in Carbon County, Montana

FEMA records 59 National Flood Insurance Program claims in Carbon County, Montana, since 1978, with $2.7 million paid in total. The year with the most claims was 2022, with 20. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 6.4% of homes in the high-risk flood zone did.

NFIP claims on record59

Total paid$2.7 million

Claims with a payment50

Homes with NFIP policy0.8%

High-risk zone homes insured6.4%

Residential policies in force65

Claims by year of loss

NFIP claims by year of loss, Carbon County, Montana

Paid on claims by year of loss (building, contents and increased cost of compliance), Carbon County, Montana

Named flood events with the most claims

Event (FEMA name)	Claims
Yellowstone Flooding	20

ZIP codes with the most claims

ZIP code (as reported)	Claims
59068	25
59041	11
59070	5
59029	5
59014	4
59080	2
59013	2
59008	2
59026	1
59071	1

31 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.3 million, contents $433,823, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	613	39	6.4%
All homes	7,890	65	0.8%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.