FEMA flood zones · Montana

Petroleum County, Montana Flood Zone Map

4 federal flood & hurricane disasters

Less than 1% of Petroleum 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 Petroleum 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 Petroleum County floods

Petroleum County experiences a flood risk profile dominated by riverine and general flooding, supplemented by localized flash flooding driven by severe weather. Over a thirty-year period, NOAA records show 17 flood events and 7 flash flood events.

These flood hazards frequently develop during the spring and summer months as upper-level lows, mid-level disturbances, and stalled storm tracks generate prolonged moderate to heavy rainfall and severe thunderstorms. For example, a stalled storm track produced prolonged rainfall across southern Petroleum County in May 2019, while a mid-level disturbance brought severe weather and flooding to the area in August 2021. Additional heavy rainfall from an upper-level low caused flash flooding impacts in June 2023, and shortwaves triggered further flooding during severe thunderstorms in July 2022.

Homeowners, real estate agents, and journalists should pay the closest attention to properties situated in low-lying areas, near stream channels, or within designated flood hazard zones where heavy seasonal rainfall and thunderstorms regularly produce standing water and rapid runoff.

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

In their words

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

Federal disasters

12 federal disaster declarations since 1986, 4 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter Storm And FloodingMay 6, 2024
FloodingJun 1, 2023
FloodingApr 12, 2018
Lodgepole Fire ComplexJul 20, 2017
Severe Storms, Straight-line Winds, And FloodingAug 21, 2014
FloodingMay 19, 2013
Severe Storms And FloodingApr 4, 2011
Hurricane Katrina EvacuationAug 29, 2005

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

Recorded flood events

24 since 1996: 7 flash floods and 17 river or area floods.

EventDateDamage
Flash FloodJun 23, 2023—
FloodJul 4, 2022—
FloodAug 26, 2021—
FloodMay 27, 2019—
FloodMar 12, 2018—
FloodJun 1, 2018—
FloodOct 4, 2016—
FloodAug 23, 2014$515,000

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

From the storm reports

Flash Flood · Jun 23, 2023. An upper level low moving to the south along the Montana-Wyoming border, generated heavy rainfall across southern parts of northeast Montana, with some flash flooding impacts recorded in Petroleum County.

Flood · Jul 4, 2022. Shortwave moved through the southwesterly flow aloft that's been parked over the area this week and set off another round of severe thunderstorms over the area this afternoon into the overnight hours.

Flood · Aug 26, 2021. A mid-level disturbance moving through the region, combined with favorable winds to generate and support multiple severe thunderstorms in Garfield and Petroleum Counties along with some flooding for Petroleum County.

Flood · May 27, 2019. A stalled storm track prolonged at moderate to heavy rainfall for many hours across most of southern Petroleum County.

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 Petroleum County

If a building in Petroleum 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.