FEMA flood zones · Montana

McCone County, Montana Flood Zone Map

3 federal flood & hurricane disasters

1% of McCone 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 McCone 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 McCone County floods

Flash flooding from summer thunderstorms dominates the flood risk profile in McCone County, Montana. Over a recent thirty-year period recorded by the NOAA Storm Events Database, the county experienced 16 flash flood events alongside 9 general flood events.

Severe weather patterns drive these incidents. For example, a low-pressure system and unstable atmosphere produced heavy rainfall that caused road washouts on May 26, 2018. Flash flooding also occurred on July 7, 2019, driven by a large low-pressure system and thunderstorms moving through northeast Montana. Additionally, seasonal hazards occur, such as the event on March 22, 2019, when spring snowmelt combined with rainfall and ice jams to push rivers and creeks above flood stage.

Property owners and real estate agents near rivers, creeks, and low-lying roads should pay the most attention to these recurring flash flood and seasonal river flood hazards.

Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.

In their words

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

Federal disasters

9 federal disaster declarations since 1986, 3 of them floods, coastal storms or hurricanes.

DisasterBegan
Straight-line WindsJun 10, 2021
FloodingMar 20, 2019
FloodingMay 19, 2013
Severe Storms And FloodingApr 4, 2011
Hurricane Katrina EvacuationAug 29, 2005
Severe Winter StormsOct 31, 2000
Severe Storms & FloodingSep 25, 1986

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

Recorded flood events

25 since 1996: 16 flash floods and 9 river or area floods.

EventDateDamage
FloodMar 22, 2019—
Flash FloodJul 7, 2019—
Flash FloodMay 26, 2018—
FloodMay 31, 2013—
Flash FloodMay 18, 2013—
Flash FloodJul 5, 2013—
Flash FloodJul 22, 2011—
FloodMay 20, 2011—

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

From the storm reports

Flood · Mar 22, 2019. Spring season snow melt combined with additional rainfall and ice jams along area rivers, to rise the level of many creeks and rivers above flood stage across northeast Montana through the last several days of March.

Flash Flood · Jul 7, 2019. A large low pressure system from the west, with many smaller-scale disturbances combined with a very unstable atmosphere, to allow several strong to severe thunderstorms to develop and move eastward through northeast Montana.

Flash Flood · May 26, 2018. A cold front extending from a surface low over Saskatchewan, combined with a strong low pressure trough over northeast Montana amid a very unstable atmosphere to produce numerous thunderstorms, some of which became severe. Later in the evening, some of these storms merged together, produced strong winds as they departed Montana. In addition, heavy rain, caused a few roads to wash out.

Flood · May 31, 2013. A prolonged period of enhanced surface mosture streaming into eastern Montana from east to west combined with a short-wave disturbance to produce high rainfall rates across the area over multiple days.

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 McCone County

If a building in McCone 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.