Home Insurance in Bridger, Montana
The median home value in Bridger is $250,000, 41% lower than the Carbon 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 Bridger was built around 1964. About 44% of homes were built before 1960, about 13 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 Bridger is 75% single-family homes, 2% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
52% of owner-occupied homes in Bridger carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bridger has an owner-occupancy rate of 74% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
82% of homes in Bridger are primarily heated with natural gas.
What's the biggest home insurance risk near Bridger? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Carbon County and 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.
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 | $250,000 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)