Miles City, Montana Flood Zones
Last updated: March 2026
Miles City sits at the confluence of the Yellowstone and Tongue rivers, creating significant flood risk during spring snowmelt and heavy rainfall events. The merging river systems can produce rapid water level rises that threaten low-lying areas of the city.
Custer County has recorded 156 NFIP flood insurance claims since 1978, totaling $400K in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 8
NFIP Policies
822
Custer County
Avg. Premium
$512/yr
Custer County
FEMA Flood Risk Profile: Custer County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively LowEst. annual loss: $3.5M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Custer County
Custer County has been included in 3 federal flood-related disaster declarations.
These declarations affected communities across Custer County, including Miles City.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Custer County
Properties in Custer County have filed 156 NFIP flood insurance claims totaling $400K in payouts since 1978. The average claim payout is $3K.
Highest-Claim Years
1979
65 claims - $230K
2011
55 claims - $137K
1978
9 claims - $5K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Custer County
An estimated 18% of households in Custer County carry NFIP flood insurance.
Penetration Rate
18%
Claims Ratio
1 in 5
policies have filed a claim
Avg. Claim Payout
$2,564
Derived from FEMA NRI population data and OpenFEMA NFIP policy/claims records.
Recorded Flood Events: CUSTER County
NOAA has recorded 30 flood events in CUSTER County since 1996, causing $2.2M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Custer County
FEMA has funded mitigation for 2 properties in Custer County, investing $0 in flood risk reduction.
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
What Your Flood Zone Means in Miles City
Miles City faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Miles City are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $3.5M.
Riverine flood risk in Miles City is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Miles City address.
Flood Insurance Discount: Miles City
Miles City participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Miles City's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Miles City, MT Flood Zone FAQ
What flood zones are in Miles City, MT?
The most common FEMA flood zones in Miles City are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Miles City?
If your Miles City property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Miles City?
Enter your Miles City address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Miles City offer flood insurance discounts?
Yes. Miles City participates in FEMA's Community Rating System (CRS) with a Class 7 rating, qualifying residents in the Special Flood Hazard Area for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Miles City experienced major flooding events?
Custer County, where Miles City is located, has been part of 3 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Flooding in 2018. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Miles City?
Custer County has recorded 156 NFIP flood insurance claims totaling $400K in payouts since 1978. The year with the most claims was 1979, with 65 claims and $230K in payouts. These figures cover all NFIP claims in the county, including Miles City.
How many flood insurance policies are active in Miles City?
Custer County currently has 822 active NFIP flood insurance policies with an average annual premium of $512. The most policies are in Zone AE (801 policies). These figures cover all active NFIP policies in the county.
Can my Miles City property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Miles City?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Miles City's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Montana Cities
Understanding Flood Zones
Look Up Any Miles City, MT Address
Enter a Miles City, MT address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.