Home Insurance in Dawson County, Montana
The median home value in Dawson County is $185,300, 51% lower than the Montana median.
The typical home in Dawson County was built around 1966. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 43% of homes were built before 1960, about 18 points above Montana's 26%.
In Dawson County, the housing stock is 74% single-family homes, 5% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Dawson County, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dawson County has an owner-occupancy rate of 72% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Dawson County, 68% of homes are primarily heated with natural gas.
The top hazards for Dawson County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), wildfire (Very Low) and strong wind (Relatively Low).
Dawson County had 9 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Montana, the statewide average premium for a standard HO-3 homeowners policy is $1,768 per year (NAIC, 2023 data).
Key figures
| Median home value | $185,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Very Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 9 |
| 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)