FEMA flood zones · Montana

Pondera County, Montana Flood Zone Map

4 federal flood & hurricane disasters

FEMA’s digital flood map shows no high- or moderate-risk zones in Pondera 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 Pondera 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

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

Federal disasters

13 federal disaster declarations since 1975, 4 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter Storm And FloodingMay 6, 2024
FloodingApr 12, 2018
Strawberry FireSep 11, 2017
Severe Winter Storm And Straight-line WindsApr 15, 2016
Ice Jams And FloodingMar 1, 2014
Severe Storms And FloodingApr 4, 2011
Hurricane Katrina EvacuationAug 29, 2005
Severe Storms And FloodingJun 8, 2002

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
FloodMar 21, 2019—
FloodMar 28, 2018—
FloodJun 18, 2014—
Flash FloodJun 18, 2013—
FloodMar 10, 2011—
FloodJun 7, 2011—
FloodMay 24, 2008—
Flash FloodJun 10, 2002—

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

From the storm reports

Flood · Mar 21, 2019. Warm temperatures lead to snow melt and runoff across the region, but most notably over the plains of North Central Montana. With the ground still frozen, ponding of melt water noted in low lying areas. Additional runoff of this melt water into creeks and streams increase the potential for ice jams.

Flood · Mar 28, 2018. An ice jam along Clear Creek in Blaine County caused flooding during the evening of March 27th into the early morning of the 28th. In addition, snowmelt flooding led to several road closures in Pondera and Teton Counties.

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.

Flash Flood · Jun 18, 2013. A low pressure system moved into the Pacific Northwest coast bringing a more moist, unstable, and southwesterly flow to the region. This helped generate showers and|thunderstorms over the higher terrain of these areas. The frontal boundary associated with this system moved into western Montana later in the day bringing the chance of severe thunderstorms, damaging winds, large hail, and heavy rainfall to the area.…

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 Pondera County

If a building in Pondera 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.