FEMA flood zones · Montana

Prairie County, Montana Flood Zone Map

1 federal flood & hurricane disasters

Less than 1% of Prairie 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 Prairie 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 Prairie County floods

Flash flooding from summer thunderstorms and general flooding dominate the flood profile of Prairie County, Montana, with the NOAA Storm Events Database recording 13 flash flood events and 11 flood events over the last 30 years.

Thunderstorms driven by warm, moist air and upper-level instability frequently impact the region, leading to heavy rainfall and localized inundation. For example, a slow-moving storm system combined with an unstable atmosphere produced heavy rain and flash flooding in August 2018. Additionally, southwesterly flow aloft and strong thunderstorms resulted in heavy rain and flash flooding in June 2023.

Property owners located near waterways, such as the Yellowstone River valley, and residents in low-lying areas prone to rapid stormwater runoff should pay the closest attention to local flood risks during severe weather seasons.

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

Federal disasters

7 federal disaster declarations since 1997, 1 of them floods, coastal storms or hurricanes.

DisasterBegan
Ice Jams And FloodingMar 1, 2014
Severe Storms And FloodingApr 4, 2011
Hurricane Katrina EvacuationAug 29, 2005
WildfiresJul 13, 2000
Severe Storms,ice Jams, Snow Melt, FloodingMar 1, 1997

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

Recorded flood events

24 since 1996: 13 flash floods and 11 river or area floods.

EventDateDamage
FloodJun 26, 2023—
Flash FloodJul 30, 2019—
Flash FloodApr 29, 2018—
Flash FloodAug 23, 2018—
Flash FloodJun 7, 2018—
Flash FloodJun 5, 2015—
FloodMay 29, 2011—
FloodMay 23, 2011—

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

From the storm reports

Flood · Jun 26, 2023. Southwesterly flow aloft enhanced moisture that produced strong thunderstorms in portions of northeast Montana. Heavy rain from these storms led to some flash flooding.

Flash Flood · Jul 30, 2019. Warm, moist air and converging surface winds allowed thunderstorms to easily form along a subtle boundary, then suddenly grow severe as they moved toward the east and southeast into an even more favorable environment.

Flash Flood · Apr 29, 2018. Enough instability existed due to an upper level trough and jet streak to produce multiple thunderstorms along the Yellowstone River valley of eastern Montana during the afternoon and evening. A few of these thunderstorms became severe near Terry and Glendive, with the strongest wind gusts exceeding 60 mph.

Flash Flood · Aug 23, 2018. A slow-moving storm system through southern Montana combined with a moderately unstable atmosphere to produce multiple thunderstorms across eastern Montana during the morning hours of August 23rd. One of these stronger storms became severe and a period of heavy rain lead to flash flooding in Prairie 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 Prairie County

If a building in Prairie 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.