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DNRC Headquarters
1539 Eleventh Ave. Helena, MT 59601
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Flood Insurance

Banner for Flood Insurance page reading "Considering Flood Insurance"

Did you know most homeowner’s policies do not cover flood insurance?

Unless you’ve specifically purchased flood insurance, you are probably not covered against flood losses. You’re not alone; most Montanans are not covered. The good news is that flood insurance is available in most parts of Montana through the Federal Emergency Management Agency’s National Flood Insurance Program.

Private flood insurance may be available and may be more affordable than National Flood Insurance. Contact your local insurance agent or check out the links below to learn more.

Flood Insurance Information for the Public

Montana Insurance Commissioner:  This page gives flood insurance information specific to Montana. 
FEMA's FloodSmart:  This is a great resource for general information about flood insurance.

Risk Rating 2.0 - Effective August 31, 2021

FEMA has updated the NFIP Insurance side with a new rating methodology.  This drastic overhaul will have a major impact to local communities and property owners throughout the state.  Below are some flood insurance resources on Risk Rating 2.0.

Risk Rating 2.0 Portal

NFIP Risk Rating 2.0 Quick Start Guide

FEMA Risk Rating Webinar Wednesday Trainings

National Flood Insurance Program

FAQ About Insurance
Flood Insurance: How it Works Fact Sheet
Newly Mapped - Low Cost Options
How to Get Flood Insurance
Cheaper Flood Insurance
What is Covered by Flood Insurance
Built-in Compliance Certification
FEMA Community Status Book
Grandfather Rules

CRS Flood Insurance Discount Program

CRS Resource Center
CRS Newsletter
CRS Samples and Information
CRS Fact Sheet
Credits for Montana Communities

NFIP Reform (BW-12)

NFIP Reform: FEMA Link
BW-12 Quick Reference Guide
Biggert-Waters Reform Act of 2012
Impact of Changes to NFIP (March 2013)

Flood Insurance Claims

Claims Handbook
Information on Claims from the Flood Insurance Manual
Four Steps to Appeal Your Flood Insurance Claim
Fact Sheet on Appealing Your Flood Insurance Claim

Homeowner Flood Insurance Affordability Act of 2014 (HFIAA)

FEMA HFIAA Fact Sheet 061114
HFIAA Refund Fact Sheet
FEMA's HFIAA and Businesses Fact Sheet