Is Missoula County, MT in a flood zone?
FEMA's National Risk Index puts Missoula County's flood hazard at the 68.6th percentile nationally — 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 1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Missoula County's flood-insurance compliance gap
14.2% of the homes FEMA requires to carry flood insurance in Missoula County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 134 policies against 944 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Missoula 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 Missoula County ranks
Missoula County sits at rank 1028 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 526 of 3144 by population (1 is biggest). Missoula County, Montana covers 2,593.01 square miles and counts roughly 122,546 residents.
Your street may differ from Missoula County's average
215 of Missoula County's 44,881 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Missoula County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.