Flood
Insurance Problems?
Call us at (406) 444-2040
Private flood insurance may be available and may be more affordable than National Flood Insurance. Contact your local insurance agent to learn more.
We get thousands of calls every year from Montanans with insurance questions. Here are the most common questions we get about flood insurance:
The Top 12
The amount of flood insurance coverage required by the Flood Disaster Protection Act of 1973, as amended by the National Flood Insurance Reform Act of 1994, is the lesser of the following:
- The maximum amount of NFIP coverage available for the particular property type;
- The outstanding principal balance of the loan; or
- The insurable value of the structure.
If the property is not in a high-risk area, but instead is in a moderate-to-low-risk area, federal law does not require flood insurance; however, a lender can still require it. It is also recommended since historically one-in-five claims come from these moderate-to-low risk areas. Please note that if during the life of the loan, the flood insurance rate maps are revised and the property is re-categorized into a high-risk area, your lender may notify you that you must purchase flood insurance.
List of Licensed Montana Insurance Agencies who offer Flood Coverage through Lloyds of London | ||
Agency Name | Phone Number | Website |
HCIT Earthquake & Flood | (406) 442-9555 ex. 102 | www.iiamt.org |
Poulton Associates | (801) 268-2600 | www.poulton.com |
The Flood Insurance Agency | (877) 356-6348 | www.thefloodinsuranceagency.com |
WNC Insurance Services | (800) 423-2497 | www.wncinsuranceservices.com |
Wright National Flood Insurance Services | (702) 803-2040 | www.wrightflood.com |
Listed below are websites that offer a description of catastrophe-type coverage. These websites may give consumers an overview of a various type of policies that include other types of risks in addition to flood coverage, such as earthquake and landslides, in a single policy.
List of Licensed Montana Insurance Agencies who offer Flood, Earthquake and Landslide Coverage | |||
Agency Name | Phone Number | City | Website |
Insurance Store | (406) 778-2861 | Baker | montanainsurancemanagers.com |
Agency Insurance Division | (406) 993 9242 | Big Sky | www.insuringthe406.com |
ISU Insurance Services Streeter Brothers | (406) 252-0551 | Billings | www.isustreeterbros.com |
Beard Insurance Agency Inc. | (406) 294-9700 | Billings | www.beardinsurance.com |
Peter Yegen Jr., Inc. | (406) 252-0163 | Billings | pyegen.com |
Darnielle Insurance Agency | (406) 652-4180 | Billings | www.Darnielle.com |
Leavitt Great West Insurance Services, LLC | (877) 229-4553 | Billings | www.leavitt.com/greatwest |
AAA MountainWest | (866) 446-4524 | Billings | www.mountainwest.aaa.com |
McHenry Insurance | (406) 586-5075 | Bozeman | mchenry@mchenryins.net |
Leavitt Great West Insurance Services, LLC | (877) 229-4553 | Bozeman | www.leavitt.com/greatwest |
AAA MountainWest | (866) 446-4524 | Bozeman | www.mountainwest.aaa.com |
Broadus Insurance | (406) 436-2608 | Broadus | www.montanainsurancemanagers.com |
Leavitt Great West Insurance Services, LLC | (877) 229-4553 | Butte | www.leavitt.com/greatwest |
Leavitt Great West Insurance Services, LLC | (877) 229-4553 | Choteau | www.leavitt.com/greatwest |
Mandeville Insurance Agency, Inc. | (406) 322-5361 | Columbus | www.mandeville-insurance.com |
Leavitt Great West Insurance Services, LLC | (877) 229-4553 | Cut Bank | www.leavitt.com/greatwest |
Clawson Insurance Agency, Inc. | (406) 846-1411 | Deer Lodge | www.clawsonagency.com |
Agency Insurance Division | (406) 682 4202 | Ennis | www.insuringthe406.com |
Hagenston Insurance Agency | (406) 377-3600 | Glendive | hagenstonagency.com |
Cascade Farmers Mutual Insurance Agency | (406) 453-3923 | Great Falls | www.cascadefarmersmutual.com |
Leavitt Great West Insurance Services, LLC | (877) 229-4553 | Great Falls | www.leavitt.com/greatwest |
McMeel Insurance | (406) 453-1580 | Great Falls | www.greatestagencyever.com |
AAA MountainWest | (866) 446-4524 | Great Falls | www.mountainwest.aaa.com |
AAA MountainWest | (866) 446-4524 | Hamilton | www.mountainwest.aaa.com |
Erickson Insurance Group | (406) 265-1490 | Havre | www.ericksoninsurancegroup.com |
Bison Insurance, PLLC | (406) 442-1414 | Helena | www.bisoninsurance.net |
Leavitt Great West Insurance Services, LLC | (877) 229-4553 | Helena | www.leavitt.com/greatwest |
AAA MountainWest | (866) 446-4524 | Helena | www.mountainwest.aaa.com |
Hobson Insurance | (800) 296-7985 | Hobson | www.businessquote.com |
Best Insurance LLC | (406) 755-8888 | Kalispell | http://www.bestinsurancemontana.com/ |
Leavitt Great West Insurance Services, LLC | (877) 229-4553 | Kalispell | www.leavitt.com/greatwest |
AAA MountainWest | (866) 446-4524 | Kalispell | www.mountainwest.aaa.com |
Central Montana Insurance Center | (800) 597-7135 | Lewistown | http://www.centralmontanainsurance.com/ |
Leavitt Great West Insurance Services, LLC | (877) 229-4553 | Livingston | www.leavitt.com/greatwest |
Key Insurance of Livingston, Inc. | (406) 222-0944 | Livingston | www.insuranceiskey.com |
W A Mitchell Agency | (406) 234-0280 | Miles City | http://wamitchellagency.com/ |
AAA MountainWest | (866) 446-4524 | Missoula | www.mountainwest.aaa.com |
Bishop Insurance Service | (406) 883-5372 | Polson | www.bishopinsurance.com |
Bishop Insurance Service | (406) 676-5300 | Ronan | www.bishopinsurance.com |
Key Insurance of Roundup, Inc | (406) 323-2055 | Roundup | www.keyinsuranceroundup.com |
Leavitt Great West Insurance Services, LLC | (877) 229-4553 | Shelby | www.leavitt.com/greatwest |
You may also contact your insurance agent or company to find out more about federal flood insurance or find an agent serving your area by filling out the Flood Risk Profile.