Home Insurance in Hardin, Montana
The median home value in Hardin is $147,100, close to the Big Horn County median.
The typical home in Hardin was built around 1970. About 40% of homes were built before 1960, about 17 points above Big Horn County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Hardin, the housing stock is 60% single-family homes, 13% apartments in buildings with 5+ units and 13% 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.
47% of owner-occupied homes in Hardin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Hardin are owner-occupied.
In Hardin, 74% of homes are primarily heated with natural gas.
FEMA rates Big Horn County's overall risk as Relatively Low, led by strong wind (Relatively High). Big Horn County had 7 active NFIP flood policies as of September 2026. See the full Big Horn County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $147,100 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Big Horn County | 7 |
| 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)