Home Insurance in Harlem, Montana
With a median home value of $100,800, Harlem is 35% lower than the Blaine County median.
The typical home in Harlem was built around 1956. About 56% of homes were built before 1960, about 20 points above Blaine County's 36%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Harlem, the housing stock is 83% single-family homes, 8% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 30% of owner-occupied homes in Harlem have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Harlem has an owner-occupancy rate of 62% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
In Harlem, 59% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Blaine County's overall risk as Relatively Low, led by winter weather (Relatively Moderate). 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.
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 | $100,800 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)