Property Atlas

County hazard profile

Gallatin, MT

Montana · pop. 118,825 · FIPS 30031

Relatively Moderate
FEMA risk rating · RATING
Winter Weather
dominant hazard
$66M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Gallatin $66M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 80.98/100
national median ~50 higher than 81% of counties
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 71.72/100
national median ~50 near the national middle (72nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Gallatin

The National Flood Insurance Program has paid 76 flood-insurance claims totaling $340K in Gallatin since 1978. The costliest year was 2008 ($97K paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $2,654 paid 1981: $23,957 paid 1982: $10,026 paid 1985: $2,887 paid 1993: $6,871 paid 1996: $25,767 paid 1997: $63,036 paid 1998: $16,632 paid 2002: $1,224 paid 2008: $97,212 paid 2009: $0 paid 2010: $0 paid 2011: $31,483 paid 2014: $0 paid 2018: $4,980 paid 2019: $20,808 paid 2020: $0 paid 2022: $3,007 paid 2023: $29,547 paid 2024: $0 paid 2008 · $97K 1978 2024
$340K
total paid
$4,475
average claim
$35K
largest single claim
28%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Gallatin, MT and where it ranks among U.S. counties. It is not a verdict on whether Gallatin is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.