Home Insurance in Scobey, Montana
Homes in Scobey carry a median value of $188,200 - close to the Daniels County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Scobey was built around 1955. About 57% of homes were built before 1960, about 3 points above Daniels County's 54%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Scobey is 83% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
48% of owner-occupied homes in Scobey carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Scobey are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Scobey, 59% of homes are primarily heated with propane.
What's the biggest home insurance risk near Scobey? 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 | $188,200 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)