Is Valley County, MT in a flood zone?
FEMA's National Risk Index puts Valley County's flood hazard at the 34.2th 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 3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Valley 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 Valley 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.
Valley County against the rest of the country
Valley County sits at rank 2130 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2621 of 3144 by population (1 is biggest). Valley County, Montana is home to about 7,434 people across 4,926.115 square miles of land.
What to do next if you own or are buying in Valley County
Across all of Valley County's 5,960 residential structures, 17 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Valley County's numbers. See the data quality guide for why Valley County, like hundreds of other counties, doesn't get a clean compliance percentage.