Montana Home-Insurance Distress by County

Montana reads below the national norm for home-insurance distress — 56 counties averaging 7/100, 51st of 52 states.

Montana's reading rests on a FEMA hazard average of 12/100 and NFIP flood-claim stress of 3/100.

Over three years Montana counties filed 9 NFIP flood claims, $123,104 paid.

Highest in Montana: Wheatland County 48/100 (#1155 US), Lincoln County 37/100 (#1417 US), Lewis And Clark County 30/100 (#1596 US), Garfield County 25/100 (#1933 US), Broadwater County 21/100 (#2194 US).

Montana counties by insurance band: 37 zero (Montana), 16 low, 3 medium; Montana NFIP claims, three years: 9; Montana payouts $123,104.

Montana counties with the most NFIP claims: Garfield 4 ($105,461); Lewis And Clark 1; Wheatland 1 ($17,643) in Montana; Lincoln 1; Gallatin 1.

Montana county average fell: 8.7 in March 2026; Montana reads 8.1 in October 2026; Montana by month: March 8.7, April 8.7, May 8.3 (Montana), June 8.3, July 7.9, August 7.9 (Montana), September 8.0, October 8.1.

Highest Montana ZIPs, insurance distress: 97532 62 (climate 89), 97538 62 (climate 89) in Montana, 97526 62 (climate 89), 97543 62 (climate 89) in Montana, 97523 62 (climate 89), 97531 62 (climate 89) in Montana.

Reading the Montana bands: 0 of 56 Montana counties sit in a high or worse insurance band; Montana filed 9 NFIP claims in three years, $123,104 paid to Montana policyholders; a Montana county's band moves when FEMA hazard revisions, new Montana NFIP settlements or carrier filings change its monthly score.