Home Insurance in Neihart, Montana
With a median home value of $227,300, Neihart is 14% lower than the Cascade County median.
The typical home in Neihart was built around 1965. About 41% of homes were built before 1960, about 4 points above Cascade County's 37%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Neihart is 94% single-family homes and 6% mobile or manufactured homes.
In Neihart, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Neihart has an owner-occupancy rate of 100% and a vacancy rate of 85%; unoccupied homes typically need a different coverage form.
Most homes in Neihart - 70% - 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.
What's the biggest home insurance risk near Neihart? FEMA's National Risk Index points to winter weather (Very High) in Cascade County and Cascade County had 304 active NFIP flood policies as of September 2026. See the full Cascade 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 | $227,300 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Cascade County | 304 |
| 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)