Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Montana
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Montana ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Yellowstone County | $868 | Relatively Moderate | $317,600 |
| 2 | Silver Bow County | $941 | Very Low | $223,500 |
| 3 | Missoula County | $1,097 | Relatively Low | $423,100 |
| 4 | Lewis and Clark County | $1,136 | Relatively Low | $358,200 |
| 5 | Deer Lodge County | $1,297 | Very Low | $209,700 |
| 6 | Gallatin County | $1,314 | Relatively Moderate | $604,900 |
| 7 | Mineral County | $1,512 | Very Low | $313,600 |
| 8 | Cascade County | $1,583 | Relatively Moderate | $243,300 |
| 9 | Sanders County | $1,651 | Relatively Low | $323,800 |
| 10 | Flathead County | $1,731 | Relatively Moderate | $467,700 |
| 11 | Powell County | $1,732 | Very Low | $255,700 |
| 12 | Jefferson County | $1,750 | Very Low | $408,000 |
| 13 | Lincoln County | $1,767 | Relatively Low | $258,700 |
| 14 | Lake County | $1,891 | Relatively Low | $369,200 |
| 15 | Ravalli County | $1,970 | Relatively Low | $435,000 |
| 16 | Custer County | $2,035 | Very Low | $204,200 |
| 17 | Broadwater County | $2,052 | Very Low | $364,800 |
| 18 | Hill County | $2,118 | Relatively Low | $187,600 |
| 19 | Musselshell County | $2,300 | Very Low | $221,200 |
| 20 | Glacier County | $2,353 | Relatively Low | $153,400 |
| 21 | Stillwater County | $2,371 | Very Low | $355,600 |
| 22 | Pondera County | $2,372 | Very Low | $179,200 |
| 23 | Beaverhead County | $2,397 | Relatively Low | $282,000 |
| 24 | Meagher County | $2,399 | Very Low | $244,400 |
| 25 | Wheatland County | $2,443 | Very Low | $172,700 |
| 26 | Toole County | $2,452 | Very Low | $187,400 |
| 27 | Fergus County | $2,635 | Relatively Low | $202,700 |
| 28 | Rosebud County | $2,849 | Relatively Low | $188,900 |
| 29 | Treasure County | $2,935 | Very Low | $215,300 |
| 30 | Granite County | $3,045 | Very Low | $339,500 |
| 31 | Big Horn County | $3,046 | Relatively Low | $148,200 |
| 32 | Teton County | $3,325 | Very Low | $235,500 |
| 33 | Park County | $3,361 | Relatively Low | $429,700 |
| 34 | Roosevelt County | $3,377 | Relatively Low | $119,400 |
| 35 | Sheridan County | $3,409 | Very Low | $111,600 |
| 36 | Daniels County | $3,428 | Very Low | $177,800 |
| 37 | Carbon County | $3,458 | Relatively Low | $379,300 |
| 38 | Golden Valley County | $3,521 | Very Low | $203,900 |
| 39 | Blaine County | $3,754 | Relatively Low | $124,900 |
| 40 | Fallon County | $3,760 | Very Low | $237,000 |
| 41 | Judith Basin County | $3,784 | Very Low | $214,200 |
| 42 | Valley County | $3,790 | Very Low | $198,600 |
| 43 | Carter County | $3,880 | Very Low | $176,600 |
| 44 | Sweet Grass County | $3,936 | Very Low | $295,500 |
| 45 | Liberty County | $4,100 | Very Low | $116,800 |
| 46 | Madison County | $4,124 | Very Low | $440,500 |
| 47 | Prairie County | $4,155 | Very Low | $167,100 |
| 48 | McCone County | $4,256 | Very Low | $197,400 |
| 49 | Phillips County | $4,378 | Very Low | $175,000 |
| 50 | Chouteau County | $4,466 | Very Low | $185,100 |
| 51 | Powder River County | $4,753 | Very Low | $149,400 |
| 52 | Richland County | $5,171 | Relatively Low | $259,000 |
| 53 | Dawson County | $5,761 | Relatively Low | $187,400 |
| 54 | Garfield County | $6,500 | Very Low | $178,300 |
| 55 | Petroleum County | $8,236 | Very Low | $173,700 |
| 56 | Wibaux County | $14,334 | Very Low | $92,300 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Montana