Fergus County, MT flood risk explained
Flood hazard in Fergus County sits at the 36.5th national percentile, below the national norm for flood 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.
Who actually carries the flood insurance FEMA requires
Out of 126 homes FEMA counts inside Fergus County's mapped flood zone, 16 carry the flood policy federal law requires there — 12.7% compliance, short of full coverage. Looking beyond the mandated zone, 0.4% of all residential structures in Fergus County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Fergus County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Fergus County ranks 2061 — 1 being the highest hazard nationally — and 2290 by population among all 3144 counties covered here, where 1 is the largest. Fergus County, Montana is home to about 11,862 people across 4,339.329 square miles of land.
Checking a specific address in Fergus County
32 of Fergus County's 8,762 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Fergus County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.