Flood Claims Map

Montana

Flood insurance claims in Phillips County, Montana

FEMA records 39 National Flood Insurance Program claims in Phillips County, Montana, since 1978, with $134,717 paid in total. The year with the most claims was 1978, with 19. As of 3 August 2026, 0.3% of homes here had an NFIP policy.

NFIP claims on record39
Total paid$134,717
Claims with a payment26
Homes with NFIP policy0.3%
High-risk zone homes insuredn/a
Residential policies in force12

Claims by year of loss

1978: 1919781979: 71980: 01981: 019811982: 01983: 01984: 019841985: 01986: 21987: 019871988: 01989: 01990: 019901991: 01992: 01993: 019931994: 01995: 01996: 019961997: 21998: 01999: 019992000: 02001: 02002: 020022003: 02004: 02005: 020052006: 02007: 02008: 020082009: 02010: 02011: 420112012: 02013: 02014: 120142015: 02016: 419

NFIP claims by year of loss, Phillips County, Montana

1978: $41,67019781979: $5,9521980: $01981: $019811982: $01983: $01984: $019841985: $01986: $6,7291987: $019871988: $01989: $01990: $019901991: $01992: $01993: $019931994: $01995: $01996: $019961997: $34,9071998: $01999: $019992000: $02001: $02002: $020022003: $02004: $02005: $020052006: $02007: $02008: $020082009: $02010: $02011: $9,83020112012: $02013: $02014: $020142015: $02016: $35,629$41,670

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding2

ZIP codes with the most claims

ZIP code (as reported)Claims
5953819
595249
592616
595441

7 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $129,627, contents $5,090, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone010n/a
All homes3,561120.3%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.