Home Insurance in Lodge Grass, Montana
With a median home value of $62,200, Lodge Grass is 57% lower than the Big Horn County median.
The typical home in Lodge Grass was built around 1965. About 46% of homes were built before 1960, about 24 points above Big Horn County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lodge Grass is 76% single-family homes and 18% mobile or manufactured homes.
3% of owner-occupied homes in Lodge Grass carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Lodge Grass are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 55% of homes in Lodge Grass are primarily heated with propane.
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.
The statewide average premium for a standard HO-3 homeowners policy in Montana is $1,768 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $62,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 3% |
| 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)