Is Toole County, MT in a flood zone?
FEMA's National Risk Index puts Toole County's flood hazard at the 17.8th percentile nationally — 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 once every 6 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
Toole 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 Toole County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Toole County ranks
Toole County sits at rank 2620 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2807 of 3144 by population (1 is biggest). Toole County, Montana covers 1,914.864 square miles and counts roughly 5,153 residents.
What to do next if you own or are buying in Toole County
FEMA counts 3,448 residential structures in Toole County overall, 0 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 Toole County's numbers. See the data quality guide for why Toole County, like hundreds of other counties, doesn't get a clean compliance percentage.