Flood insurance claims in Valley County, Montana

FEMA records 250 National Flood Insurance Program claims in Valley County, Montana, since 1978, with $1.5 million paid in total. The year with the most claims was 2011, with 92. As of 3 August 2026, 0.3% of homes here had an NFIP policy.

NFIP claims on record250

Total paid$1.5 million

Claims with a payment209

Homes with NFIP policy0.3%

High-risk zone homes insuredn/a

Residential policies in force17

Claims by year of loss

NFIP claims by year of loss, Valley County, Montana

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	3

ZIP codes with the most claims

ZIP code (as reported)	Claims
59230	209
59248	30
59241	6
59231	1
59223	1

69 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.4 million, contents $133,217, increased cost of compliance $35,321.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	14	n/a
All homes	5,960	17	0.3%

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

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.