Flood history · Laurel, MT 59044
Flood insurance claims in Laurel, MT 59044
53 claims since 1978 and $690,238 paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 59044 since 1978.
What the record says
About 56% of claims here were on properties rated outside high-risk zones (zones X, B or C). A lower-risk zone on the map is not a guarantee.
14 claims were filed in the last 10 years.
The most commonly recorded cause is rivers, streams or lakes overflowing.
Yellowstone County * takes part in FEMA's Community Rating System (class 7), which can lower flood insurance premiums by up to 15% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Yellowstone Flooding | 2022 | 11 | 21% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Yellowstone County
Flood, hurricane and storm declarations since 2000.
3 flood, storm or hurricane declarations for Yellowstone County since 2000.
Check a specific address in Laurel.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.