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