Home Insurance in Chinook, Montana
Homes in Chinook carry a median value of $214,700 - 38% higher than the Blaine County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Chinook was built around 1957. About 52% of homes were built before 1960, about 16 points above Blaine County's 36%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chinook is 80% single-family homes, 9% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 47% of owner-occupied homes in Chinook have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Chinook are owner-occupied.
82% of homes in Chinook are primarily heated with natural gas.
Blaine County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Blaine County had 18 active NFIP flood policies as of September 2026. See the full Blaine 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 | $214,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Blaine County | 18 |
| 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)