Data · June 2026 data · 14-month trend
Montana Flood Insurance Costs
Montana's flood insurance cost index stood at $821 in June 2026, measured across policies newly written or renewed that month. Against a national average of $1,001, the state sits 18.0% lower. Costs have risen 10.9% year over year. 403 policies were written or renewed statewide that month; Park County was the priciest county at $3,100 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 — June 2026
- Average premium
- $821
- Avg total cost (with fees)
- $1,105
- Change (year over year)
- +10.9%
- vs national average
- -18.0%
- Policies written or renewed
- 403
- Counties reporting
- 38
Montana trend, last 14 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 | $821 | $1,116 | 304 | |
| September 2025 | $1,033 | $1,362 | 276 | |
| October 2025 | $1,020 | $1,350 | 275 | |
| November 2025 | $896 | $1,220 | 264 | |
| December 2025 | $834 | $1,148 | 243 | |
| January 2026 | $819 | $1,102 | 242 | |
| February 2026 | $988 | $1,301 | 239 | |
| March 2026 | $832 | $1,114 | 408 | |
| April 2026 | $1,000 | $1,309 | 432 | |
| May 2026 | $980 | $1,300 | 370 | |
| June 2026 | $821 | $1,105 | 403 |
County breakdown — June 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 |
|---|---|---|---|---|
| Park County | $3,100 | $3,786 | 4 | |
| Pondera County | $3,037 | $3,881 | 1 | |
| Sanders County | $2,212 | $2,682 | 1 | |
| Mineral County | $2,092 | $2,733 | 7 | |
| Stillwater County | $2,082 | $2,664 | 5 | |
| Wibaux County | $2,058 | $2,725 | 1 | |
| Beaverhead County | $1,874 | $2,395 | 2 | |
| Meagher County | $1,851 | $2,425 | 4 | |
| Lincoln County | $1,673 | $2,226 | 5 | |
| Missoula County | $1,639 | $2,103 | 14 | |
| Cascade County | $1,554 | $1,965 | 19 | |
| Sweet Grass County | $1,530 | $2,102 | 5 | |
| Carbon County | $1,359 | $1,776 | 9 | |
| Chouteau County | $1,123 | $1,397 | 1 | |
| Powder River County | $1,107 | $1,603 | 1 | |
| Lake County | $1,072 | $1,449 | 2 | |
| Fallon County | $1,033 | $1,516 | 1 | |
| Phillips County | $1,028 | $1,285 | 1 | |
| Garfield County | $1,018 | $1,273 | 1 | |
| Gallatin County | $1,015 | $1,365 | 38 | |
| Granite County | $1,013 | $1,492 | 1 | |
| Ravalli County | $936 | $1,217 | 11 | |
| Roosevelt County | $860 | $1,312 | 1 | |
| Deer Lodge County | $839 | $1,062 | 3 | |
| Yellowstone County | $801 | $1,106 | 33 | |
| Musselshell County | $779 | $991 | 1 | |
| Lewis and Clark County | $732 | $1,022 | 13 | |
| Madison County | $720 | $1,147 | 2 | |
| Jefferson County | $710 | $1,135 | 1 | |
| Hill County | $643 | $1,055 | 2 | |
| Custer County | $524 | $727 | 72 | |
| Powell County | $450 | $678 | 3 | |
| Silver Bow County | $445 | $654 | 4 | |
| Dawson County | $422 | $570 | 1 | |
| Flathead County | $396 | $558 | 126 | |
| Fergus County | $354 | $602 | 2 | |
| Wheatland County | $310 | $587 | 3 | |
| Valley County | $255 | $485 | 2 |
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 (NFIP Redacted Policies v3).
"Montana Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, June 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/montana
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.