Flood insurance cost · ZIP 59301 · MT

Flood insurance cost in ZIP 59301 (Miles City, MT)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 679 home policies in force on August 31, 2026.

ZIP code 59301 (Miles City, MT)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$668a year

Half of insured homes paid between $566 and $862. That is about the same as the Custer County median ($668). Most insured homes here are rated in zone AE (97%).

$0$566 · $668 · $862$1,078

+2.1% vs Aug 31, 2025 (median $654)

679home policies in force

$732average cost (mean)

97%of insured homes in high-risk zones (A, V)

$150,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in ZIP code 59301

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$664	$562–$853	$726	662 (97%)	+2.2%
Zone X Moderate to low risk	$898	$728–$1,079	$937	17 (3%)	+4.9%

Not shown (fewer than 10 home policies): VE, A, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in ZIP code 59301, by what they insure.

Type of building	Policies	Median	Average
Single-family home	658	$666	$728
2–4 unit building	15	$911	$966
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	23	$869	$1,008

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

705NFIP policies in force, any building

705insured units (condo association policies count every unit)

53%of home policies also cover contents

$60,000median contents coverage, when bought

One year on: ZIP code 59301

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

	Aug 31, 2025	Aug 31, 2026	Change
Home policies in force	706	679	−3.8%
Median annual cost	$654	$668	+2.1%
Average annual cost	$709	$732	+3.2%
All policies in force (any building)	732	705	−3.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 59301 have filed 155 flood claims. 108 received a payment, for a total of $400,061 (an average of $3,704 per paid claim). The year with the most claims was 1979 (65 claims). Amounts are in dollars of the time, not adjusted for inflation.

Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.

All years with at least 10 claims (2)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2011	55	40	$136,826	$3,421
1979	65	55	$230,232	$4,186

2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

NFIP communities in this ZIP code

Miles City (619 home policies) · Unincorporated Custer County (60 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.