Home Insurance in Blaine County, Montana
The median home value in Blaine County is $155,500, 59% lower than the Montana median.
The typical home in Blaine County was built around 1972. About 36% of homes were built before 1960, about 10 points above Montana's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Blaine County, the housing stock is 81% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
32% of owner-occupied homes in Blaine County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Blaine County has an owner-occupancy rate of 66% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
40% of homes in Blaine County 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.
The top hazards for Blaine County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), wildfire (Relatively Low) and inland flooding (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Blaine County has 18 active NFIP flood policies on file.
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 | $155,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 18 |
| 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)