How much flood risk does Blaine County actually carry?
Blaine County lands at the 46.5th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 2 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Blaine County
2.2% of the homes FEMA requires to carry flood insurance in Blaine County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 10 policies against 462 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Blaine County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Blaine County ranks
Blaine County sits at rank 1744 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2663 of 3144 by population (1 is biggest). Blaine County, Montana covers 4,227.517 square miles and counts roughly 6,903 residents.
Checking a specific address in Blaine County
FEMA counts 3,857 residential structures in Blaine County overall, 13 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Blaine County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.