Home Insurance in Flaxville, Montana
Homes in Flaxville carry a median value of $104,200 - 44% lower than the Daniels 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 Flaxville was built around 1957. About 60% of homes were built before 1960, about 5 points above Daniels County's 54%.
Housing in Flaxville breaks down to 97% single-family homes and 3% mobile or manufactured homes.
About 34% of owner-occupied homes in Flaxville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Flaxville has an owner-occupancy rate of 93% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
Most homes in Flaxville - 93% - are primarily heated with propane. Homes heated with propane 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 Flaxville? FEMA's National Risk Index points to wildfire (Very Low) in Daniels County and Daniels County has no active NFIP flood policies on file. See the full Daniels 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 | $104,200 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Wildfire (Very 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)