Montana Home InsuranceFlood insurance discounts in Montana
Flood discounts in Montana
Flooding is never covered by a standard homeowners policy. But where you live can cut the price of a flood policy: communities in FEMA's Community Rating System earn their residents a discount automatically.
Of the 136 Montana communities in the National Flood Insurance Program, 12 are in the rating system. Everywhere else, there is no community discount at all.
| Community | Class | Discount in high-risk zones |
|---|---|---|
| Great Falls | 6 | 20% |
| Miles City | 7 | 15% |
| Missoula County | 7 | 15% |
| Missoula | 7 | 15% |
| Yellowstone County | 7 | 15% |
Source: FEMA NFIP Community Status Book.
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