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NEW Flood Insurance Rate Maps

Flood Insurance Rate Map updates for Bozeman Creek and its tributary streams have been recently completed by the Federal Emergency Management Agency (FEMA).  Flood Insurance Rate Maps identify flood hazards that are generally classified into three categories of flood risk severity: the Regulated Floodway, the 100-Year Floodplain, and the 500-Year Floodplain. The Regulated Floodway and 100-Year Floodplain represent the FEMA Special Flood Hazard Area

City of Bozeman floodplain regulations apply to development located in the Special Flood Hazard Area shown on the Flood Insurance Rate Maps.  Buildings with a federally backed loan/mortgage located in the Special Flood Hazard Area are mandated by federal law to have flood insurance.  The 500-Year Floodplain is advisory in nature only, so floodplain regulations and mandatory flood insurance requirements do not apply to these areas; however, a lender may at their discretion require flood insurance.

The Flood Insurance Rate Map updates have been finalized by FEMA and are effective for a significant length of Bozeman Creek from Bogert Park to the confluence with the East Gallatin River.  City floodplain regulations and federal flood insurance requirements now apply to the Special Flood Hazard Area mapped by FEMA for this length of Bozeman Creek.

Remaining portions of the Flood Insurance Rate Map updates for Bozeman Creek and its tributary streams have been completed by FEMA and are scheduled to be finalized by FEMA in September 2020.  Once finalized by FEMA, they will become effective for flood insurance purposes 6 months later (March 2021).  The City is applying its floodplain regulations to the Special Flood Hazard Areas mapped on the updated Flood Insurance Rate Maps over the interim period until the maps are made effective for flood insurance purposes by FEMA in March 2021.

Floodplain Map Viewer

Use the Floodplain Map Viewer to determine if your property is located in the Special Flood Hazard Area.  The floodplain map viewer depicts the same Special Flood Hazard Areas and 500-Year Floodplain as the updated Flood Insurance Rate Maps in a user friendly and intuitive online platform.

Owning Property in a Floodplain

City of Bozeman floodplain regulations and federal flood insurance requirements apply to developments in a Special Flood Hazard Area mapped on a Flood Insurance Rate Map. More information on general flood risk areas mapped on a Flood Insurance Rate Map are provided below:

Flood Insurance

All buildings with federally secured loans/mortgages located in a Special Flood Hazard Area shown on a Flood Insurance Rate Map are required by federal law to carry a flood insurance policy.  Flood insurance is underwritten by the federal government and is made available through the National Flood Insurance Program (NFIP).  A typical homeowner or business owner insurance policy does not cover flood damages.  Flood policies may be purchased from qualified local insurance agents.  To learn more about the NFIP or to locate a local NFIP insurance agent visit floodsmart.gov.

Buildings that are newly mapped into a Special Flood Hazard Area are eligible for cost saving insurance options.  Be sure to talk with your insurance agent about cost savings options that may apply to newly mapped buildings.

Updated Flood Insurance Study and Flood Insurance Rate Maps 

The updated Flood Insurance Study is a technical report prepared by FEMA that documents how the updated Flood Insurance Rate Maps were developed.  The updated Flood Insurance Study and Flood Insurance Rate Maps completed by FEMA are available below.  

The City of Bozeman does not maintain official floodplain maps for Gallatin County.  For information concerning official FEMA flood maps for properties outside of City of Bozeman limits, please contact the Gallatin County Floodplain Administrator with the Gallatin County Planning Department by calling 406-582-3130.

Emergency Management

Portions within the city limits of Bozeman are subject to flood hazards from waterways within the City.  These flood hazards are generally characterized on the Flood Insurance Rate Maps issued by FEMA, however the FIRMs do not map floodplains for every waterway within the City.  Flood hazards exist for any property located adjacent to waterways whether FEMA has officially mapped the floodplain or not.  Gallatin County Emergency Management is responsible for coordination of public safety agencies during a flooding emergency.  To learn what you can do to prepare for a flooding event visit readygallatin.com/flooding.

Real-Time Stream Gauge Data

The United States Geologic Survey (USGS) maintains an active stream gauge on the East Gallatin River near the Bozeman Water Reclamation Facility.  See a complete listing of all USGS stream gauges in Montana.  Those interested may sign up for the USGS Water Alert service for the East Gallatin stream gauge and receive email or text alerts when user-defined gauge data thresholds are exceeded.

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