Home Insurance in Grass Range, Montana
The typical home in Grass Range was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 35% of homes were built before 1960, about 10 points below Fergus County's 45%.
The housing stock in Grass Range is 52% single-family homes, 1% apartments in buildings with 5+ units and 40% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Grass Range, about 7% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Grass Range has an owner-occupancy rate of 62% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Grass Range - 55% - are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Fergus County had 35 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Fergus County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Montana carries a statewide average premium of $1,768 per year.
Key figures
| Median year built | 1974 |
|---|---|
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 7% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Fergus County | 35 |
| 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)