Data · July 2026 data · 15-month trend
Montana Flood Insurance Costs
Montana's flood insurance cost index stood at $977 in July 2026, measured across policies newly written or renewed that month. That tracks the $986 national average almost exactly. Costs have risen 14.7% year over year. 302 policies were written or renewed statewide that month; Mineral County was the priciest county at $2,972 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 — July 2026
- Average premium
- $977
- Avg total cost (with fees)
- $1,291
- Change (year over year)
- +14.7%
- vs national average
- -0.9%
- Policies written or renewed
- 302
- Counties reporting
- 40
Montana trend, last 15 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 | |
| July 2026 | $977 | $1,291 | 302 |
County breakdown — July 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 |
|---|---|---|---|---|
| Mineral County | $2,972 | $3,729 | 6 | |
| Stillwater County | $2,823 | $3,531 | 7 | |
| Lincoln County | $2,710 | $3,345 | 3 | |
| Wibaux County | $2,507 | $3,030 | 1 | |
| Carbon County | $2,099 | $2,677 | 7 | |
| Sanders County | $2,083 | $2,642 | 2 | |
| Valley County | $1,929 | $2,348 | 2 | |
| Beaverhead County | $1,561 | $1,914 | 1 | |
| Cascade County | $1,539 | $1,960 | 22 | |
| Park County | $1,521 | $1,867 | 3 | |
| Lake County | $1,402 | $1,951 | 1 | |
| Flathead County | $1,372 | $1,777 | 26 | |
| Big Horn County | $1,342 | $1,768 | 2 | |
| Teton County | $1,239 | $1,646 | 2 | |
| Fergus County | $1,193 | $1,517 | 6 | |
| Chouteau County | $1,130 | $1,405 | 1 | |
| Yellowstone County | $1,014 | $1,303 | 20 | |
| Jefferson County | $979 | $1,302 | 3 | |
| Golden Valley County | $972 | $1,219 | 1 | |
| Granite County | $925 | $1,220 | 4 | |
| Musselshell County | $887 | $1,343 | 3 | |
| Phillips County | $867 | $1,207 | 2 | |
| Lewis and Clark County | $859 | $1,161 | 18 | |
| Ravalli County | $854 | $1,136 | 4 | |
| Blaine County | $838 | $1,174 | 2 | |
| Meagher County | $806 | $1,248 | 1 | |
| Missoula County | $789 | $1,074 | 19 | |
| Sweet Grass County | $684 | $879 | 1 | |
| Dawson County | $681 | $876 | 1 | |
| Pondera County | $613 | $1,020 | 1 | |
| Custer County | $537 | $758 | 82 | |
| Deer Lodge County | $503 | $891 | 1 | |
| Powell County | $421 | $569 | 5 | |
| Gallatin County | $420 | $586 | 33 | |
| Garfield County | $397 | $540 | 1 | |
| Silver Bow County | $342 | $476 | 1 | |
| Roosevelt County | $287 | $411 | 1 | |
| Hill County | $265 | $610 | 1 | |
| Wheatland County | $247 | $589 | 3 | |
| Madison County | $224 | $562 | 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, July 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.