Flood insurance claims in Yellowstone County, Montana

FEMA records 272 National Flood Insurance Program claims in Yellowstone County, Montana, since 1978, with $2.3 million paid in total. The year with the most claims was 1978, with 52. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 16.8% of homes in the high-risk flood zone did.

NFIP claims on record272

Total paid$2.3 million

Claims with a payment206

Homes with NFIP policy0.4%

High-risk zone homes insured16.8%

Residential policies in force233

Claims by year of loss

NFIP claims by year of loss, Yellowstone County, Montana

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

Named flood events with the most claims

Event (FEMA name)	Claims
Yellowstone Flooding	24

ZIP codes with the most claims

ZIP code (as reported)	Claims
59101	101
59044	52
59102	34
59105	26
59037	18
59088	15
59106	12
59064	7
59024	2
59002	1

88 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.0 million, contents $314,292, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	876	147	16.8%
All homes	64,244	233	0.4%

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.