FEMA flood zones · Montana

Glacier County, Montana Flood Zone Map

8 flood insurance claims·$32,243 paid·3 federal flood & hurricane disasters

Less than 1% of Glacier County’s area is in FEMA’s high-risk flood zones.

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 Glacier 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.

How deep the water got

outlet80″ door12″24″36″48″60″72″84″

In flood insurance claims here that reported a flood depth, the average was 2 inches.

Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.

Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.

Flood claims, year by year

The worst year was 1997, with 3 claims and $19,242 paid.

1978: 1 claims1989: 1 claims1991: 2 claims1997: 3 claims2012: 1 claims1980199020002010

Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.

In their words

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

Federal disasters

11 federal disaster declarations since 1974, 3 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter Storm And Straight-line WindsApr 15, 2016
Severe Storms And FloodingApr 4, 2011
Hurricane Katrina EvacuationAug 29, 2005
Severe Storms And FloodingJun 8, 2002
WildfiresJul 13, 2000
Heavy Rains, Landslides & FloodingFeb 24, 1986
DroughtAug 22, 1977
Rains, Showmelt, Storms & FloodingJun 28, 1975

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

Recorded flood events

8 since 1996: 2 flash floods and 6 river or area floods.

EventDateDamage
FloodMay 26, 2019—
FloodJun 18, 2014—
FloodMay 24, 2011—
FloodJun 7, 2011—
FloodMay 23, 2008—
Flash FloodJun 10, 2002—
Flash FloodJun 6, 2002—
FloodMar 20, 1997—

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

From the storm reports

Flood · May 26, 2019. A slow-moving low pressure system was accompanied by unusually-high amounts of moisture, periods of steady of heavy rain, and some thunderstorms over north-central Montana during May 25th through the early morning of the 28th. In addition, relatively-high snow levels allowed rain to fall on lingering snowpack along the Rocky Mountain Front, where easterly upslope flow enhanced rainfall totals. Portions of the Rock…

Flood · Jun 18, 2014. A potent low pressure system moved across the Pacific Northwest bringing a period of widespread precipitation and below average temperatures. Rain was seen over the lower elevations with snow in some of the higher terrain. The heaviest precipitation was seen along eastern slopes of the Continental Divide.

Flood · May 24, 2011. Rising rivers, rapid snowmelt and continuous rain prompted the declaration on 5/24/11.

Flood · Jun 7, 2011. Rain and snowmelt. Presidential Disaster Declaration for Montana made on 6/17/11.

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 Glacier County

If a building in Glacier 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.