Home Insurance in Whitefish, Montana
Homes in Whitefish carry a median value of $684,300 - 28% higher than the Flathead County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Whitefish was built around 1991. About 25% of homes were built before 1960, about 9 points above Flathead County's 17%.
The housing stock in Whitefish is 72% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Whitefish carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Whitefish are owner-occupied.
In Whitefish, 60% of homes are primarily heated with natural gas.
Flathead County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Flathead County had 537 active NFIP flood policies as of September 2026. See the full Flathead County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Montana is $1,768 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $684,300 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Flathead County | 537 |
| 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)