How much flood risk does Lincoln County actually carry?
Lincoln County lands at the 65.5th 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.
Lincoln County's flood-insurance compliance gap
Lincoln County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Lincoln County, not just the ones FEMA mandates, 0.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Lincoln County ranks
Lincoln County sits at rank 1135 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1713 of 3144 by population (1 is biggest). Lincoln County, Montana covers 3,612.559 square miles and counts roughly 22,184 residents.
What to do next if you own or are buying in Lincoln County
FEMA counts 11,433 residential structures in Lincoln County overall, 51 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 Lincoln County's numbers. See the data quality guide for why Lincoln County, like hundreds of other counties, doesn't get a clean compliance percentage.