Deer Lodge County, MT flood risk explained
Flood hazard in Deer Lodge County sits at the 10.5th national percentile, among the lowest flood hazard in the country; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 4 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
FEMA hasn't published a residential structure count for Deer Lodge County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 0.3% of all residential structures in Deer Lodge County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Deer Lodge County ranks
Among the 3144 US counties FEMA scores for flood hazard, Deer Lodge County ranks 2832 — 1 being the highest hazard nationally — and 2428 by population among all 3144 counties covered here, where 1 is the largest. Deer Lodge County, Montana covers 736.683 square miles and counts roughly 9,811 residents.
Checking a specific address in Deer Lodge County
FEMA counts 5,249 residential structures in Deer Lodge County overall, 18 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Deer Lodge County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Deer Lodge County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.