FEMA flood zones · Montana

Carter County, Montana Flood Zone Map

FEMA’s digital flood map shows no high- or moderate-risk zones in Carter County. That can mean the area was never studied in detail or has no digital map, not that it can’t flood; the county floodplain administrator can say which.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Carter County, Montana. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

In their words

4 NOAA storm reports from Carter County describe what happened, in the words of the forecasters who covered it. Read the Montana flood stories →

Federal disasters

8 federal disaster declarations since 2000.

DisasterBegan
Severe Storms, Straight-line Winds, And FloodingAug 21, 2014
Severe Storms And FloodingApr 4, 2011
Severe Winter StormMay 1, 2008
Hurricane Katrina EvacuationAug 29, 2005
Severe Winter StormsOct 31, 2000
WildfiresJul 13, 2000

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

12 since 1996: 6 flash floods and 6 river or area floods.

EventDateDamage
FloodMar 25, 2019—
Flash FloodJul 21, 2019—
Flash FloodJul 5, 2019—
FloodMar 9, 2014—
FloodMay 20, 2011$320,000
Flash FloodJun 20, 2010—
FloodApr 14, 2009$80,000
Flash FloodJun 2, 2008—

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Flood · Mar 25, 2019. Flooding occurred across many areas of south central and southeast Montana during the latter portions of the month. A considerable snow cover existed through the month. Surface and sub-surface ground temperatures remained frozen through the last week of March. Warming temperatures resulted in this snow to quickly melt. Widespread flooding occurred due to the snow melt not being able to soak into the ground. In ad…

Flash Flood · Jul 21, 2019. A slow moving thunderstorm produced 3.70 inches of rain in a short period of time which resulted in some flash flooding.

Flash Flood · Jul 5, 2019. Very heavy thunderstorms moved across portions of southeast Montana during the afternoon and early evening hours of the 5th. Rainfall anywhere from 1 to 6 inches was reported across this area. In addition, large hail also occurred with a few of these thunderstorms. The rain and hail combined resulted in flash flooding across some areas. One location had a few basements flooded, but otherwise, besides water over ro…

Flood · Mar 9, 2014. After a very cold winter resulting in area rivers, streams and creeks freezing, early March began with some heavy snow followed by a rapid warm-up. This warm-up resulted in snowmelt and ice-jam flooding over area rivers, creeks and streams that continued into the middle of the month. While many areas experienced flooding, the locations that were most impacted by flooding included Park County, areas along the Musse…

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Carter County

If a building in Carter County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.