Home Insurance in Bearcreek, Montana
With a median home value of $204,200, Bearcreek is 51% lower than the Carbon County median.
The typical home in Bearcreek was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 46% of homes were built before 1960, about 15 points above Carbon County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bearcreek is 89% single-family homes and 11% mobile or manufactured homes.
62% of owner-occupied homes in Bearcreek carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Bearcreek are owner-occupied.
Most homes in Bearcreek - 61% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Carbon County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Carbon County had 75 active NFIP flood policies as of September 2026. See the full Carbon 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 | $204,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Carbon County | 75 |
| 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)