FEMA flood zones · Montana

Wheatland County, Montana Flood Zone Map

19 flood insurance claims·$38,369 paid·2 federal flood & hurricane disasters

1% of Wheatland 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 Wheatland 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 1 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 1979, with 11 claims and $10,518 paid.

1979: 11 claims1997: 4 claims2011: 1 claims2015: 1 claims2018: 1 claims2024: 1 claims19801990200020102020

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.

Federal disasters

9 federal disaster declarations since 1975, 2 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter Storm And FloodingMay 6, 2024
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
Rains, Showmelt, Storms & FloodingJun 28, 1975

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

Recorded flood events

9 since 1996: 4 flash floods and 5 river or area floods.

EventDateDamage
Flash FloodMay 26, 2018—
Flash FloodJun 3, 2015—
FloodMar 7, 2014—
FloodMar 6, 2014—
FloodMay 23, 2011—
FloodJun 7, 2011—
FloodJun 1, 2011—
Flash FloodAug 23, 2002—

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

From the storm reports

Flash Flood · May 26, 2018. A few thunderstorms produced severe size hail across Park and Stillwater Counties, as well as some flash flooding across portions of Wheatland County.

Flash Flood · Jun 3, 2015. A slow-moving heavy thunderstorm resulted in some flash flooding across portions of Wheatland County during the evening of the 3rd into the early morning hours of the 4th.

Flood · Mar 7, 2014. After a very cold winter resulting in area rivers, streams and creeks freezing, early March began with some heavy snow followed by a rapid warm-up. This warm-up resulted in snowmelt and ice-jam flooding over area rivers, creeks and streams that continued into the middle of the month. While many areas experienced flooding, the locations that were most impacted by flooding included Park County, areas along the Musse…

Flood · Mar 6, 2014. After a very cold winter resulting in area rivers, streams and creeks freezing, early March began with some heavy snow followed by a rapid warm-up. This warm-up resulted in snowmelt and ice-jam flooding over area rivers, creeks and streams that continued into the middle of the month. While many areas experienced flooding, the locations that were most impacted by flooding included Park County, areas along the Musse…

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 Wheatland County

If a building in Wheatland 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.