Floodplain Mapping Update: Clark Fork River, Bitterroot River, Rock Creek

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Let us know your questions on the updated floodplain maps for Rock Creek and the Clark Fork and Bitterroot rivers.

Missoula County is working with the Federal Emergency Management Agency (FEMA) and the state Department of Natural Resources and Conservation (DNRC) to update floodplain maps for the Clark Fork River, the Bitterroot River and Rock Creek.

The floodplain and rivers are natural systems that change over time, and the new maps are intended to provide more reliable and detailed information about areas prone to flood hazards. Updated floodplain maps will depict the latest, most accurate flood risk data, and will eventually replace the existing floodplain maps, which are based on data from the 1970s.

Following a public engagement period, Missoula County will need to adopt regulations that reference the new maps for residents in the floodplain to be eligible to buy flood insurance through the National Floodplain Insurance Program. Residents will not be eligible for this program if the County does not adopt the regulations. Additionally, adopting the regulations ensures Missoula County is eligible to receive federal assistance in the event of a major flooding disaster. If the County does not adopt the regulations, it wouldn’t be eligible for federal funds, and recovery costs would likely fall to local property taxpayers. Adopting the regulations also will ensure Missoula County bases future land-use decisions on the most accurate data.

Additionally, adopting these maps ensures Missoula County is eligible to receive federal assistance in the event of a major flooding disaster. If the County does not adopt the updated maps, it would not be eligible for federal funds, and recovery costs would likely fall to local property taxpayers. Adopting the new maps also ensures Missoula County bases future land-use decisions on the most accurate data.


Who will be affected?

Residents who live in near these waterways in the following areas may see changes to the floodplain maps. Property owners who will potentially see changes will receive a postcard about the updated maps.

  • Bonner/West Riverside
  • Clinton
  • East Missoula
  • Frenchtown
  • Lolo
  • Orchard Homes

How will the maps change?

The new maps are based on more accurate data and the updated modeling better identifies which properties are at risk of flooding. Properties that weren’t shown to be in the mapped floodplain, may now be based on this updated information. Homeowners should check with their lender or insurance agent after the maps are finalized by FEMA.

After the maps are finalized by the Federal Emergency Management Agency, Missoula County will be required to regulate any new development in the floodplain. Examples of these requirements include elevating the structure, using flood-resistant building materials and installing flood vents. While Missoula County recommends property owners in the floodplain take mitigation measures to protect their property, they will not be required to unless they plan to alter, substantially improve or replace a structure.

New preliminary floodplain maps were released by FEMA and DNRC, they include some changes from the draft maps that were available from 2022 until recently. Changes include floodplain designations near the Orchard Homes Levee and various areas of connectivity to meet FEMA mapping standards). Missoula County and the city of Missoula will be conducting outreach this fall and will host open houses this winter to share these maps prior to the official appeals period and adoption of regulations that reference the maps for use in floodplain development review.

Recently, questions about the floodplain mapping process have circulated in the community. Missoula County values the discussion and interest in the process. The questions section compiled below includes clear facts, references, and resources. Staff are happy to provide additional information and welcome any follow-ups the community may have.


Frequently Asked Questions


What is floodplain management?

Floodplain management is the operation of a community program of preventive and corrective measures to reduce the risk of current and future flooding, resulting in a more resilient community. These measures take a variety of forms, are carried out by multiple stakeholders with a vested interest in responsible floodplain management, and generally include requirements for zoning, subdivision or building, building codes and special-purpose floodplain ordinances. Click here to read more.

What is the National Flood Insurance Program?

The National Flood Insurance Program (NFIP), managed by the Federal Emergency Management Agency, enables homeowners, business owners and renters in participating communities to purchase federally backed flood insurance. This offers an insurance alternative to disaster assistance to meet the escalating costs of repairing flood damage to buildings and their contents. Participating communities agree to adopt and enforce floodplain management ordinances to reduce future flood damage.

What does Missoula County do about flood hazards?

Missoula County staff routinely works with its agency partners to monitor flood hazards, river depths and flood warnings. In adopting higher regulatory standards and working with partners for hazard mitigation projects, we participate in the Community Rating System. The Community Rating System is a voluntary incentive program that recognizes and encourages community floodplain management practices that exceed the minimum requirements of the National Flood Insurance Program. That CRS benefit translates to a 15% countywide discount in flood insurance premiums. top of the page

What is required in floodplain mapping, and why do we do it?

The Montana floodplain mapping program helps communities across the state identify flood risks. Identifying flood risk can help keep your home and local community safe from future flood events. Floodplain maps should be your go-to tool in learning about flood risks. Flood risks change over time, and floodplain maps will require periodic updates. It could be because of several things such as the age of the flood study, if there has been a lot of change or development in the area, or due to a flooding event. Flood studies now are done in collaboration with communities, DNRC and FEMA. Flood studies today use the best available data and technology. This includes high-accuracy topographic information, updated hydrologic data and modern engineering methods. Flood maps also help mortgage lenders determine insurance requirements and help communities develop strategies for reducing their risk. top of the page

Why do we have floodplain regulations?

Communities have an obligation to regulate the floodplain and enforce development standards as a condition for participating in the National Flood Insurance Program (NFIP). Flood insurance and funding for other projects such as mitigation and recovery is made available by the federal government, and communities are charged with ensuring that development in the regulatory floodplain is in accordance with federal, state and local laws. The purpose of the Missoula County Floodplain Regulations is to promote public health, safety and general welfare, to minimize flood losses in areas subject to flood hazards and to promote wise use of the floodplain. top of the page

How much does flood insurance cost?

Flood insurance premium costs depend on a variety of factors. In 2021, FEMA implemented a new risk rating methodology called Risk Rating 2.0: Equity in Action (RR2.0). Lenders will typically reevaluate their loans to reassess flood risk when a new map goes into effect. If you own a building in a high-risk flood area and have a federally backed loan, your lender will require you to have flood insurance, because the flood maps indicate a high flood risk. FEMA’s new rating methodology, Risk Rating 2.0, considers specific characteristics of a building to provide a more modern, individualized and equitable flood insurance rate, based on where the structure is built, how it is built (building characteristics), and what is built and covered (replacement cost and coverage). top of the page

Let us know your questions on the updated floodplain maps for Rock Creek and the Clark Fork and Bitterroot rivers.

Missoula County is working with the Federal Emergency Management Agency (FEMA) and the state Department of Natural Resources and Conservation (DNRC) to update floodplain maps for the Clark Fork River, the Bitterroot River and Rock Creek.

The floodplain and rivers are natural systems that change over time, and the new maps are intended to provide more reliable and detailed information about areas prone to flood hazards. Updated floodplain maps will depict the latest, most accurate flood risk data, and will eventually replace the existing floodplain maps, which are based on data from the 1970s.

Following a public engagement period, Missoula County will need to adopt regulations that reference the new maps for residents in the floodplain to be eligible to buy flood insurance through the National Floodplain Insurance Program. Residents will not be eligible for this program if the County does not adopt the regulations. Additionally, adopting the regulations ensures Missoula County is eligible to receive federal assistance in the event of a major flooding disaster. If the County does not adopt the regulations, it wouldn’t be eligible for federal funds, and recovery costs would likely fall to local property taxpayers. Adopting the regulations also will ensure Missoula County bases future land-use decisions on the most accurate data.

Additionally, adopting these maps ensures Missoula County is eligible to receive federal assistance in the event of a major flooding disaster. If the County does not adopt the updated maps, it would not be eligible for federal funds, and recovery costs would likely fall to local property taxpayers. Adopting the new maps also ensures Missoula County bases future land-use decisions on the most accurate data.


Who will be affected?

Residents who live in near these waterways in the following areas may see changes to the floodplain maps. Property owners who will potentially see changes will receive a postcard about the updated maps.

  • Bonner/West Riverside
  • Clinton
  • East Missoula
  • Frenchtown
  • Lolo
  • Orchard Homes

How will the maps change?

The new maps are based on more accurate data and the updated modeling better identifies which properties are at risk of flooding. Properties that weren’t shown to be in the mapped floodplain, may now be based on this updated information. Homeowners should check with their lender or insurance agent after the maps are finalized by FEMA.

After the maps are finalized by the Federal Emergency Management Agency, Missoula County will be required to regulate any new development in the floodplain. Examples of these requirements include elevating the structure, using flood-resistant building materials and installing flood vents. While Missoula County recommends property owners in the floodplain take mitigation measures to protect their property, they will not be required to unless they plan to alter, substantially improve or replace a structure.

New preliminary floodplain maps were released by FEMA and DNRC, they include some changes from the draft maps that were available from 2022 until recently. Changes include floodplain designations near the Orchard Homes Levee and various areas of connectivity to meet FEMA mapping standards). Missoula County and the city of Missoula will be conducting outreach this fall and will host open houses this winter to share these maps prior to the official appeals period and adoption of regulations that reference the maps for use in floodplain development review.

Recently, questions about the floodplain mapping process have circulated in the community. Missoula County values the discussion and interest in the process. The questions section compiled below includes clear facts, references, and resources. Staff are happy to provide additional information and welcome any follow-ups the community may have.


Frequently Asked Questions


What is floodplain management?

Floodplain management is the operation of a community program of preventive and corrective measures to reduce the risk of current and future flooding, resulting in a more resilient community. These measures take a variety of forms, are carried out by multiple stakeholders with a vested interest in responsible floodplain management, and generally include requirements for zoning, subdivision or building, building codes and special-purpose floodplain ordinances. Click here to read more.

What is the National Flood Insurance Program?

The National Flood Insurance Program (NFIP), managed by the Federal Emergency Management Agency, enables homeowners, business owners and renters in participating communities to purchase federally backed flood insurance. This offers an insurance alternative to disaster assistance to meet the escalating costs of repairing flood damage to buildings and their contents. Participating communities agree to adopt and enforce floodplain management ordinances to reduce future flood damage.

What does Missoula County do about flood hazards?

Missoula County staff routinely works with its agency partners to monitor flood hazards, river depths and flood warnings. In adopting higher regulatory standards and working with partners for hazard mitigation projects, we participate in the Community Rating System. The Community Rating System is a voluntary incentive program that recognizes and encourages community floodplain management practices that exceed the minimum requirements of the National Flood Insurance Program. That CRS benefit translates to a 15% countywide discount in flood insurance premiums. top of the page

What is required in floodplain mapping, and why do we do it?

The Montana floodplain mapping program helps communities across the state identify flood risks. Identifying flood risk can help keep your home and local community safe from future flood events. Floodplain maps should be your go-to tool in learning about flood risks. Flood risks change over time, and floodplain maps will require periodic updates. It could be because of several things such as the age of the flood study, if there has been a lot of change or development in the area, or due to a flooding event. Flood studies now are done in collaboration with communities, DNRC and FEMA. Flood studies today use the best available data and technology. This includes high-accuracy topographic information, updated hydrologic data and modern engineering methods. Flood maps also help mortgage lenders determine insurance requirements and help communities develop strategies for reducing their risk. top of the page

Why do we have floodplain regulations?

Communities have an obligation to regulate the floodplain and enforce development standards as a condition for participating in the National Flood Insurance Program (NFIP). Flood insurance and funding for other projects such as mitigation and recovery is made available by the federal government, and communities are charged with ensuring that development in the regulatory floodplain is in accordance with federal, state and local laws. The purpose of the Missoula County Floodplain Regulations is to promote public health, safety and general welfare, to minimize flood losses in areas subject to flood hazards and to promote wise use of the floodplain. top of the page

How much does flood insurance cost?

Flood insurance premium costs depend on a variety of factors. In 2021, FEMA implemented a new risk rating methodology called Risk Rating 2.0: Equity in Action (RR2.0). Lenders will typically reevaluate their loans to reassess flood risk when a new map goes into effect. If you own a building in a high-risk flood area and have a federally backed loan, your lender will require you to have flood insurance, because the flood maps indicate a high flood risk. FEMA’s new rating methodology, Risk Rating 2.0, considers specific characteristics of a building to provide a more modern, individualized and equitable flood insurance rate, based on where the structure is built, how it is built (building characteristics), and what is built and covered (replacement cost and coverage). top of the page

  • Update on Preliminary Floodplain Maps

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    Where are the preliminary floodplain maps for the Clark Fork, Bitterroot River, and Rock Creek?

    The release of preliminary floodplain maps is delayed several months due to an update in how the Clark Fork River floodway may be mapped on the landward, or south, side of of the Orchard Homes Levee. The floodway is generally the channel of a river that is the highest hazard and must be reserved to discharge the floodwater.

    Updated guidance from FEMA allows some levees to be considered for flood protection even if they are not accredited for flood insurance. The DNRC is working on updates to the draft maps so the community has a better understanding of the changes.

    While properties shown as being in 100-year floodplain in the draft maps will not change with this revision, some of those properties may not be considered as within the floodway. That affected area is generally west of Reserve Street and north of South 3rd Street West. Areas north of the river may need to be designated as the floodway. County staff is expecting updated draft maps this winter.

    Check out the latest commissioner's podcast on floodplain mapping to learn more!

  • Podcast episode: Why should you care about the floodplain?

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    Missoula County residents are lucky to live in proximity to multiple rivers and creeks, but this also means increase risks of flooding. Missoula County is currently working with both state and federal agencies to update floodplain maps for the Clark Fork River, the Bitterroot River and Rock Creek. But what exactly is the floodplain, and why are updated maps needed?

    Recently, the Missoula County commissioners spoke with Matt Heimel, floodplain administrator for Missoula County, and Adriane Beck, director of the Missoula County Office of Emergency Management. Adriane and Matt answer these questions and help decode the many acronyms around the floodplain mapping process.

    Click here to listen to the episode, or find it wherever you get your podcasts under "The Agenda with the Missoula County Commissioners".

  • Understanding flood risk

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    Flooding is the most common disaster in the United States. Severe flooding can cause immense damage. In many cases, entire livelihoods can be wiped out by a flood. It’s important to understand your flood risk; by understanding your flood risk you are better able to protect your family and property from harm. The Montana floodplain mapping program works with FEMA and communities across the state to identify flood risks. Identifying flood risk can help keep your home and local community safe from future flood events. Floodplain maps are one tool in learning and understanding flood risk.

    Flood risk changes over time, and floodplain maps will require periodic updates. Several factors can change flood risk such as the age of the flood study, if there has been a lot of change or development in the area, or due to a flooding event. Flood studies today use the best available data and technology. This includes high-accuracy topographic information, updated hydrologic data and modern engineering methods.

  • 'No Adverse Impact' floodplain management

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    Missoula County manages the regulated flood hazard under a principle that the actions of one property owner should not be allowed to adversely affect the rights of other members of the community. The adverse impacts of unwise development decisions can be measured by:

    • increased flood levels
    • higher flood velocities
    • increased erosion and sedimentation
    • deterioration of natural floodplain functions
    • increased risk for emergency response personnel
    • higher infrastructure maintenance costs
    • other measurable adverse impacts to a community’s well-being

    A concrete example of an adverse impact would be a homeowner in the floodplain having an unsecured structure that floats away in a flood and damages a public bridge downstream, impacting their neighbors’ ability to evacuate.

    The approach of No Adverse Impact floodplain stewardship protects the rights of property owners and protects the natural systems that provide flood mitigation benefits to the community, such as slowing runoff and storing floodwater. Implementing strategies for no adverse impacts does not mean that no development can take place in the floodplain. It means that adverse impacts generated by land use activities are identified and mitigated on a case-by-case basis. This principle gives communities a way to promote responsible development measures through community-based decision making.



  • Flood study process

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    Developing regulatory floodplain maps is a complex process that uses the most accurate data available. The result of a flood study is a reliable map of the areas in a community that are at risk to flooding. Floodplain maps are critical tools for local officials to communicate and manage flood risk. To learn more about what goes into a flood study you can click here or visit FEMA's website.

    Emergency responders, the insurance industry, community planners, developers, and mortgage lenders use floodplain maps. The maps are also critical tools for local floodplain managers and local, state and federal emergency management for communicating and managing flood risk.

    Step 1 – Survey: Measurements are made of the topography around the river, along with any culverts, bridges and road crossings. LiDAR uses an airplane to collect ground elevation over a large area, and ground survey supplements the airborne data. The type of the survey depends on the size of the study area and type of study.

    Step 2 – Hydrology: Determines how much water there will be in the river during a flood event. Data from stream gages will tell how many cubic feet of water per second the river will carry during the flood. Stream gage stations are an important tool to determine flow rates. If nearby stream gauges aren’t available, gage data from a similar location is used to determine the flow rate.

    Step 3 – Hydraulics: Once the first two steps are complete, calculations can show where the water will go during the flood. The elevation data is combined with the flood flow data to determine where the water will go when it overflows the channel. There are five main components to the model:

    1. Hydrology (stream flow data)
    2. Cross Sections (measurements of the river bottom at key locations)
    3. Roughness (thickness of vegetation, land cover, etc., determined by surveyors)
    4. Structures (road crossings, culverts, bridges, etc.)
    5. Downstream conditions.

    Step 4 – Mapping (delineation): The results from Step 3 are combined with the elevation data and official maps to see how far the water will spread out. The result will be the floodplain boundary and a depth grid identifying the shallower and deeper areas of flooding. The area shown to be underwater during the flood is the regulatory floodplain.

    Draft data is publicly available upon request. The draft engineering structure survey, hydrology, and hydraulics reports used for this project are available for download here.

Page last updated: 17 Oct 2025, 11:10 AM