Granite County, MT: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Granite County scores at the 11.1th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. The hazard here is 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
Out of 198 homes FEMA counts inside Granite County's mapped flood zone, 11 carry the flood policy federal law requires there — 5.6% compliance, short of full coverage. Looking beyond the mandated zone, 0.5% of all residential structures in Granite County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Granite County ranks
Among the 3144 US counties FEMA scores for flood hazard, Granite County ranks 2815 — 1 being the highest hazard nationally — and 2915 by population among all 3144 counties covered here, where 1 is the largest. About 3,602 people live in Granite County, Montana, spread over 1,727.162 square miles.
Checking a specific address in Granite County
FEMA counts 3,078 residential structures in Granite County overall, 15 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Granite 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.