Home Insurance in Plevna, Montana
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Plevna was built around 1990. About 29% of homes were built before 1960, about 6 points above Fallon County's 23%.
The housing stock in Plevna is 61% single-family homes and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Plevna carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Plevna has an owner-occupancy rate of 82% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Most homes in Plevna - 87% - 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.
Fallon County's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. Fallon County had 3 active NFIP flood policies as of September 2026. See the full Fallon 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 year built | 1990 |
|---|---|
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Fallon County | 3 |
| 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)