Home Insurance in Cascade County, Montana
With a median home value of $265,300, Cascade County is 29% lower than the Montana median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cascade County was built around 1970. About 37% of homes were built before 1960, about 11 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 Cascade County is 73% single-family homes, 13% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
In Cascade County, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cascade County has an owner-occupancy rate of 69% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
72% of homes in Cascade County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Cascade County's top hazards are winter weather (Very High), wildfire (Relatively Low) and inland flooding (Relatively Moderate).
As of September 2026, Cascade County has 304 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $265,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Wildfire (Relatively Low), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 304 |
| 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)