Home Insurance in Glendive, Montana
The median home value in Glendive is $182,600, close to the Dawson County median.
The typical home in Glendive was built around 1960. About 50% of homes were built before 1960, about 7 points above Dawson County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Glendive is 79% single-family homes, 10% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
40% of owner-occupied homes in Glendive carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Glendive are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Glendive - 79% - are primarily heated with natural gas.
FEMA rates Dawson County's overall risk as Relatively Low, led by winter weather (Relatively Moderate). Dawson County had 9 active NFIP flood policies as of September 2026. See the full Dawson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $182,600 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Dawson County | 9 |
| 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)