Home Insurance in Lewistown, Montana
The median home value in Lewistown is $198,400, 16% lower than the Fergus County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lewistown was built around 1954. About 56% of homes were built before 1960, about 11 points above Fergus County's 45%.
In Lewistown, the housing stock is 66% single-family homes, 17% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Lewistown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 56% of occupied homes in Lewistown are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Lewistown are primarily heated with natural gas.
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.
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 | $198,400 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)