Home Insurance in Dillon, Montana
With a median home value of $256,700, Dillon is 17% lower than the Beaverhead County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dillon was built around 1971. About 32% of homes were built before 1960, about 8 points above Beaverhead County's 24%.
The housing stock in Dillon is 65% single-family homes, 11% apartments in buildings with 5+ units and 14% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Dillon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Dillon has an owner-occupancy rate of 56% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Dillon, 49% of homes are primarily heated with natural gas.
FEMA rates Beaverhead County's overall risk as Relatively Low, led by winter weather (Relatively High). Beaverhead County had 36 active NFIP flood policies as of September 2026. See the full Beaverhead County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Montana, the statewide average premium for a standard HO-3 homeowners policy is $1,768 per year (NAIC, 2023 data).
Key figures
| Median home value | $256,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Beaverhead County | 36 |
| Home insurance premium | $1,768 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)