Garfield County, MT flood risk explained
Flood hazard in Garfield County sits at the 5.4th 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 1.1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Garfield County's flood-insurance compliance gap
FEMA hasn't published a residential structure count for Garfield 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, 0.4% of all residential structures in Garfield County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Garfield County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Garfield County ranks 2983 — 1 being the highest hazard nationally — and 3099 by population among all 3144 counties covered here, where 1 is the largest. Garfield County, Montana is home to about 1,181 people across 4,676.56 square miles of land.
Your street may differ from Garfield County's average
7 of Garfield County's 1,953 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Garfield County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Garfield 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.