Home Insurance in Jordan, Montana
The median home value in Jordan is $76,100, 55% lower than the Garfield County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Jordan was built around 1971. About 43% of homes were built before 1960, about 14 points above Garfield County's 29%.
In Jordan, the housing stock is 58% single-family homes and 30% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jordan, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jordan has an owner-occupancy rate of 71% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Jordan, 50% of homes are primarily heated with electricity.
FEMA rates Garfield County's overall risk as Very Low, led by wildfire (Relatively Low). Garfield County had 7 active NFIP flood policies as of September 2026. See the full Garfield 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 | $76,100 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Garfield County | 7 |
| 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)