Flood Zone Comparison
Compare key metrics between 59831 59831, MT — Zone X-shaded and 62951 62951, IL — Zone X-shaded. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 59831 59831, MT — Zone X-shaded | 62951 62951, IL — Zone X-shaded |
|---|---|---|
| name | 59831 59831, MT — Zone X-shaded | 62951 62951, IL — Zone X-shaded |
| zip code | 59831 | 62951 |
| city | 59831 | 62951 |
| state | Montana | Illinois |
| state code | MT | IL |
| category | Moderate Risk | Moderate Risk |
| flood zone | Zone X-shaded (Moderate Risk — 500-Year Floodplain) | Zone X-shaded (Moderate Risk — 500-Year Floodplain) |
| risk level | Moderate Risk | Moderate Risk |
| annual flood prob | 0.2% annual chance (500-year flood) | 0.2% annual chance (500-year flood) |
| insurance required | Recommended but not required | Recommended but not required |
| avg annual premium | 685 | 685 |
| base flood elevation | N/A — not in Special Flood Hazard Area | N/A — not in Special Flood Hazard Area |
| historical floods | 2 recorded flood events in the past 50 years. Most recent major flood: 2007 | 0 recorded flood events in the past 50 years |
| nearest water | Potomac River (3.2 miles) | Colorado River (3.9 miles) |
| elevation ft | 5,000 | 1,699 |
| population | 1,818 | 4,958 |
| median home value | 799,497 | 664,302 |
| flood damage risk | 15-30% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $86,461 | 15-30% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $76,711 |
| mitigation tips | Consider purchasing flood insurance even though not required; install backflow preventers on sewer lines; grade your lot to direct water away from foundation; keep gutters and drainage clear; know your evacuation route. | Consider purchasing flood insurance even though not required; install backflow preventers on sewer lines; grade your lot to direct water away from foundation; keep gutters and drainage clear; know your evacuation route. |
| fema map id | 8204C595J | 4531C646J |
| last updated | 2025-01-01 | 2025-01-01 |
Our team analyzes data from FEMA National Flood Hazard Layer to deliver accurate, up-to-date information. All data is verified and cross-referenced with official sources.