Home Insurance in Ekalaka, Montana
Homes in Ekalaka carry a median value of $123,400 - 38% lower than the Carter County median.
The typical home in Ekalaka was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 40% of homes were built before 1960, about 2 points above Carter County's 37%.
The housing stock in Ekalaka is 65% single-family homes, 6% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ekalaka, about 9% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ekalaka has an owner-occupancy rate of 66% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Most homes in Ekalaka - 64% - 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.
Carter County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Carter County has no active NFIP flood policies on file. See the full Carter 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 | $123,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 9% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)