Home Insurance in Fort Benton, Montana
The median home value in Fort Benton is $247,600, 19% higher than the Chouteau 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 Fort Benton was built around 1958. About 54% of homes were built before 1960, about 9 points above Chouteau County's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fort Benton is 73% single-family homes, 9% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
51% of owner-occupied homes in Fort Benton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fort Benton has an owner-occupancy rate of 80% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
In Fort Benton, 71% of homes are primarily heated with natural gas.
Chouteau County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Chouteau County had 4 active NFIP flood policies as of September 2026. See the full Chouteau 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 | $247,600 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Chouteau County | 4 |
| 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)