Is Phillips County, MT in a flood zone?
FEMA's National Risk Index puts Phillips County's flood hazard at the 39.8th 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 1.8 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Phillips County
Phillips 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 Phillips County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Phillips County against the rest of the country
Phillips County sits at rank 1957 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2871 of 3144 by population (1 is biggest). About 4,214 people live in Phillips County, Montana, spread over 5,140.422 square miles.
What to do next if you own or are buying in Phillips County
12 of Phillips County's 3,561 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 Phillips County's numbers. See the data quality guide for why Phillips County, like hundreds of other counties, doesn't get a clean compliance percentage.