Data · May 2026 data · 13-month trend
Montana Flood Insurance Costs
Montana's flood insurance cost index stood at $992 in May 2026, measured across policies newly written or renewed that month. Against a national average of $982, the state sits 1.0% higher. Costs have risen 4.8% year over year. 355 policies were written or renewed statewide that month; Granite County was the priciest county at $2,196 on average.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $992
- Avg total cost (with fees)
- $1,313
- Change (year over year)
- +4.8%
- vs national average
- +1.0%
- Policies written or renewed
- 355
- Counties reporting
- 33
Montana trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $947 | $1,256 | 373 | |
| June 2025 | $740 | $1,006 | 432 | |
| July 2025 | $852 | $1,140 | 336 | |
| August 2025 | $820 | $1,115 | 304 | |
| September 2025 | $1,028 | $1,356 | 276 | |
| October 2025 | $1,020 | $1,350 | 275 | |
| November 2025 | $896 | $1,220 | 264 | |
| December 2025 | $829 | $1,142 | 242 | |
| January 2026 | $819 | $1,102 | 242 | |
| February 2026 | $988 | $1,301 | 239 | |
| March 2026 | $832 | $1,114 | 408 | |
| April 2026 | $1,001 | $1,310 | 431 | |
| May 2026 | $992 | $1,313 | 355 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Granite County | $2,196 | $2,888 | 1 | |
| Lincoln County | $2,158 | $2,618 | 7 | |
| Carbon County | $2,043 | $2,569 | 13 | |
| Musselshell County | $1,645 | $2,013 | 1 | |
| Cascade County | $1,635 | $2,021 | 34 | |
| Stillwater County | $1,474 | $1,961 | 3 | |
| Dawson County | $1,465 | $2,026 | 1 | |
| Park County | $1,449 | $1,885 | 11 | |
| Fergus County | $1,358 | $1,787 | 2 | |
| Yellowstone County | $1,196 | $1,508 | 27 | |
| Lake County | $1,175 | $1,646 | 6 | |
| Jefferson County | $1,093 | $1,362 | 4 | |
| Lewis and Clark County | $1,091 | $1,400 | 11 | |
| Sanders County | $1,080 | $1,346 | 4 | |
| Madison County | $1,063 | $1,502 | 9 | |
| Flathead County | $1,043 | $1,363 | 48 | |
| Broadwater County | $1,009 | $1,263 | 1 | |
| Mineral County | $995 | $1,471 | 1 | |
| Hill County | $883 | $1,283 | 4 | |
| Richland County | $873 | $1,103 | 2 | |
| Gallatin County | $732 | $1,026 | 50 | |
| Ravalli County | $714 | $1,004 | 10 | |
| Meagher County | $711 | $1,136 | 3 | |
| Missoula County | $608 | $851 | 22 | |
| Powder River County | $549 | $720 | 1 | |
| Custer County | $530 | $747 | 64 | |
| Deer Lodge County | $474 | $631 | 1 | |
| FIPS 30000 | $436 | $811 | 1 | |
| Phillips County | $422 | $795 | 2 | |
| Teton County | $406 | $776 | 7 | |
| Silver Bow County | $331 | $463 | 1 | |
| Powell County | $303 | $430 | 1 | |
| Beaverhead County | $289 | $638 | 1 |
Use this data
Download Montana CSV (montana.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Montana Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/montana
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.