Montana Floods 2022
DID YOU KNOW? When flooding is imminent or predicted, National Flood Insurance Program (NFIP) policyholders are eligible to receive up to $1,000 to purchase loss avoidance supplies like tarps, sandbags, and more.
On June 14, 2022, Governor Gianforte’s office issued Executive Order No. 4-2022 declaring a statewide disaster due to severe flooding in Carbon, Park, and Stillwater counties, as well as flood warnings in other parts of the state.
On June 16, 2022, President Biden declared that a major disaster exists in the State of Montana and ordered Federal assistance to supplement State, tribal, and local recovery efforts in the areas affected by the flooding. The declaration provides for Public Assistance for emergency services, roads, and bridges. The declaration does not authorize assistance to individuals as of yet through the Individual Assistance program.
Commissioner Downing recommends that any person who has sustained property damage to immediately contact his or her agent to identify whether they have flood insurance coverage. Property owners who have flood insurance should promptly begin the process to file a claim.
Any person who has sustained property damage and does not have flood insurance should contact his or her county’s emergency manager so their damages can be added to the damage assessment tally. Click HERE for Local Disaster and Emergency Services Contact Information. The assessments will be tallied for all affected counties and will be used to determine whether an amendment should be sought to the disaster declaration for individual assistance.
We encourage property owners to review the more general information below to identify steps they can take to document their damages and minimize their flood losses. Our team is ready to assist property owners if they have any questions on filing a claim with their agent or insurance company or encounter any issues when dealing with their insurance company.
- Executive Order Declaring Flooding Disaster
- Biden Approves Montana Disaster Declaration
- FEMA.gov or call FEMA Helpline at 1-800-621-3362
- Montana June 2022 Flood Property Damage Form
- Montana Dept. of Commerce Resources Page
General Flood Information
Did you know most homeowners’ policies do not cover flood insurance? Unless you’ve specifically purchased flood insurance, you are probably not covered against flood losses. You’re not alone; most Montanans are not covered. The good news is that flood insurance is available in most parts of Montana through the Federal Emergency Management Agency’s National Flood Insurance Program.
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 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||Bozemanemail@example.com|
|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.