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The Federal Emergency Management Agency will change flood insurance costs nationwide October 1st. Quote wizard’s team of analysts found that FEMA’s new rules will cost 63% of Montana residents as much as $100 more a month. 63% of policyholders in Montana will see a price increase 37% of policyholders will see a price decrease 2% of Montana policyholders will pay an extra $20 or more a month 21% will save $20 or more a month.