Home Insurance in Cut Bank, Montana
Homes in Cut Bank carry a median value of $164,100 - close to the Glacier County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cut Bank was built around 1952. About 65% of homes were built before 1960, about 34 points above Glacier County's 31%.
In Cut Bank, the housing stock is 83% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 64% of owner-occupied homes in Cut Bank have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cut Bank has an owner-occupancy rate of 67% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Cut Bank - 64% - are primarily heated with natural gas.
Glacier County had 2 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Glacier 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 | $164,100 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Glacier County | 2 |
| 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)