Water Risk Profile — ZIP 59104
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
Low
Cost Range
$1,350–$7,650
Avg Response
42 min
NFIP
State participates
Local Climate & Risk Factors
Billings, Montana faces diverse water damage risks across its mountain and high plains terrain: western Montana receives 15–25 inches of annual precipitation and significant mountain snowpack that creates spring flooding in Clark Fork, Flathead, and Blackfoot River corridors; eastern Montana's high plains experience extreme cold (-40°F recorded in Glasgow) that causes rapid pipe freeze events. Montana's building stock includes many rural properties with well water systems and private drain systems that require seasonal winterization. Glacier melt and mountain snowpack create predictable spring flooding windows in river valleys. Montana Commissioner of Securities and Insurance handles claim disputes for Montana homeowners.
Flood-prone areas: Coulson and Riverside neighborhoods along the Yellowstone River floodplain see periodic overflow during peak snowmelt. North Side and Swords Park sit at the base of rimrock bluffs where intense summer thunderstorms send torrential runoff directly into residential streets and basements.
Water Category Cost Table — Billings, MT
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $2.46–$6.08 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $6.08–$7.36 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $8.64–$10.89 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Billings market (2.9–9.9/sq ft range).