States › Montana › Custer County › ZIP 59301
ZIP code 59301, Custer County, Montana
National Flood Insurance Program claims and payouts recorded for this ZIP code, with county context.
NCEI notes that Storm Data is compiled from a variety of sources including the National Weather Service, other federal, state and local agencies, the media and the public; that property and crop damage figures are estimates; and that some events are recorded by NWS forecast zone rather than by county. FEMA notes that NFIP claim records are redacted and aggregated to protect the privacy of policyholders. NFIP claims as of 8 Sep 2026.
OpenFEMA lists 155 NFIP claims for ZIP 59301 (Custer County, Montana), with $400K paid on 108 claims since 1978.
That is 99.4% of the 156 claims recorded across Custer County. The average paid claim in the ZIP is $4K, close to the county average of $4K and the Montana average of $12K.
At county level FEMA counts 687 residential flood policies in force, covering 11.7% of residential structures.
Compared with the county and state
| Measure | ZIP 59301 | Custer | Montana | US |
|---|---|---|---|---|
| Claims since 1978 | 155 | 156 | 2,220 | 2,680,429 |
| Share of claims paid | 70% | 69% | 74% | 78% |
| Average paid claim | $4K | $4K | $12K | $43K |
| Share of county claims | 99.4% | 100% | — | — |
| Repetitive-loss properties | 0 | 0 | 88 | — |
Claims by year of loss
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 74 | $234,870 |
| 1980s | 3 | $0 |
| 1990s | 6 | $11,421 |
| 2000s | 9 | $6,952 |
| 2010s | 61 | $144,871 |
| 2020s | 2 | $1,947 |
| Year of loss | Claims | Paid claims | Amount paid | Average paid |
|---|---|---|---|---|
| 2023 | 1 | 0 | $0 | — |
| 2021 | 1 | 1 | $1,947 | $1,947 |
| 2018 | 4 | 1 | $4,424 | $4,424 |
| 2014 | 1 | 1 | $3,621 | $3,621 |
| 2012 | 1 | 0 | $0 | — |
| 2011 | 55 | 40 | $136,826 | $3,421 |
| 2007 | 2 | 1 | $1,165 | $1,165 |
| 2006 | 1 | 1 | $5,288 | $5,288 |
| 2005 | 1 | 0 | $0 | — |
| 2001 | 5 | 1 | $499 | $499 |
| 1997 | 2 | 0 | $0 | — |
| 1996 | 1 | 0 | $0 | — |
| 1993 | 1 | 0 | $0 | — |
| 1991 | 2 | 1 | $11,421 | $11,421 |
| 1986 | 1 | 0 | $0 | — |
| 1983 | 1 | 0 | $0 | — |
| 1982 | 1 | 0 | $0 | — |
| 1979 | 65 | 55 | $230,232 | $4,186 |
| 1978 | 9 | 6 | $4,638 | $773 |
Claims are counted by year of loss as recorded in OpenFEMA's redacted NFIP claims file; amounts combine building, contents and increased-cost-of-compliance payments. ZIP codes in the file are the policyholder's reported ZIP.
County context: Custer County
Custer County has 686 weather events in the NCEI record since 1950 (19 in the last 12 months), 9 federal disaster declarations, and an overall National Risk Index rating of "Very Low". Flood-type events recorded in the county: 31; hurricane-strength tracks within 50 miles: 0.
Hail: 239 · Tornado: 8 · Flood: 31 · Wind: 307 · Winter: 80 — full county page.
Questions and answers
How many flood insurance claims have been filed in ZIP 59301?
155 claims since 1978 in the OpenFEMA NFIP claims file, 108 of them with a payment.
How much has the NFIP paid out in ZIP 59301?
$400K across 108 paid claims (building, contents and increased-cost-of-compliance payments combined), about $4K per paid claim.
Which year had the most flood claims in 59301?
1979, with 65 claims and $230K paid.
What county is ZIP 59301 in?
Most claims in this ZIP carry the county code for Custer County, Montana; ZIP codes can cross county lines. The county page carries the storm record, declarations and risk index for the area.
Provenance
OpenFEMA NfipClaims v3 (as of 8 Sep 2026) and NfipMultipleLossProperties v1 (2 Aug 2026), aggregated by ZIP code and year of loss on this site; no property-level record is shown. County storm figures from NOAA NCEI through 30 Jun 2026. Built 1 Oct 2026. See the guide to redacted NFIP claims and the methodology.