Home Insurance in Carbon County, Montana
With a median home value of $420,800, Carbon County is 12% higher than the Montana median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Carbon County was built around 1977. About 32% of homes were built before 1960, about 6 points above Montana's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Carbon County is 83% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
51% of owner-occupied homes in Carbon County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Carbon County are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Carbon County, 53% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists wildfire (Relatively Moderate), inland flooding (Relatively Low) and winter weather (Relatively Moderate) as the leading hazards for Carbon County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Carbon County has 75 active NFIP flood policies on file.
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 | $420,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Inland Flooding (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 75 |
| 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)