Home Insurance in Big Horn County, Montana
Homes in Big Horn County carry a median value of $143,400 - 62% lower than the Montana median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Big Horn County was built around 1976. About 23% of homes were built before 1960, about 3 points below Montana's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Big Horn County is 70% single-family homes, 5% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
About 26% of owner-occupied homes in Big Horn County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 67% of occupied homes in Big Horn County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Big Horn County, 37% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists strong wind (Relatively High), wildfire (Relatively Moderate) and winter weather (Relatively High) as the leading hazards for Big Horn County.
As of September 2026, Big Horn County has 7 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Montana carries a statewide average premium of $1,768 per year.
Key figures
| Median home value | $143,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Wildfire (Relatively Moderate), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $1,768 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)