FEMA flood zones · North Dakota

Billings County, North Dakota Flood Zone Map

13 flood insurance claims·$99,601 paid·4 federal flood & hurricane disasters

Less than 1% of Billings 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 Billings County, North Dakota. 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 28 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 2011, with 11 claims and $80,602 paid, the year of Flooding.

1978: 1 claims2011: 11 claims2019: 1 claims1980199020002010

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.

In their words

4 NOAA storm reports from Billings County describe what happened, in the words of the forecasters who covered it. Read the North Dakota flood stories →

Federal disasters

12 federal disaster declarations since 1978, 4 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter Storm And FloodingApr 22, 2022
FloodingFeb 14, 2011
Severe Winter StormJan 20, 2010
Severe Storms And FloodingMar 13, 2009
Severe Winter Storm And Record And/or Near Record SnowOct 4, 2005
Hurricane Katrina EvacuationAug 29, 2005
Severe Flooding,severe Winter Storms, Snowmelt, Spring RainsFeb 28, 1997
Severe Winter Storms And Blizzard ConditionsJan 3, 1997

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

Recorded flood events

6 since 1996: 3 flash floods and 3 river or area floods.

EventDateDamage
Flash FloodAug 10, 2016$15,000
FloodMay 22, 2011$50,000
Flash FloodJul 22, 2011$25,000
FloodMar 6, 2009$50,000
FloodMar 17, 2003—
Flash FloodJun 8, 2002—

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

From the storm reports

Flash Flood · Aug 10, 2016. Severe thunderstorms developed in the late morning over the southern James River Valley where elevated convection developed north of a warm front supported by a low level jet. Additional thunderstorms developed later in the afternoon into the evening over western and south central North Dakota as a short wave rotating around a closed upper low over central Montana pushed into the Northern Plains.

Flood · May 22, 2011. This was part of historic flooding in North Dakota with statewide costs estimated around 1.5 billion dollars. Flooding was the result of significant winter snows and significant spring rains. Flooding was along the Little Missouri River through Medora. Flooded were a number of homes and the buildings of the Badlands Ministries Bible Camp. Estimated damages were $50,000 and that is not all inclusive. A tremendous f…

Flash Flood · Jul 22, 2011. A severe thunderstorm outbreak materialized over west and south central North Dakota in the late afternoon and evening hours of July 22nd, lasting into the early morning hours of the 23rd. Tornado watch numbers 673, 674, and 675 were in effect for this event. A tornadic storm developed over south central North Dakota along a surface warm front. Much of the severe weather for this event originated over eastern Mont…

Flood · Mar 6, 2009. This devastating flooding continued into April, and in some cases worsened.||Western and central North Dakota experienced a snowy winter of 2008-2009. Bismarck, for example, had the snowiest December on record, which was also the snowiest month ever on record, with 33.3 inches of snow in December 2008. March 2009 was the fifth snowiest month on record with 29.7 inches. For the entire season Bismarck ended up the s…

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 Billings County

If a building in Billings 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.