Home Insurance in Golden Valley County, Montana
With a median home value of $212,200, Golden Valley County is 44% lower than the Montana median.
The typical home in Golden Valley County was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 40% of homes were built before 1960, about 15 points above Montana's 26%.
In Golden Valley County, the housing stock is 82% single-family homes, 2% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Golden Valley County, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Golden Valley County has an owner-occupancy rate of 81% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Golden Valley County - 65% - 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.
Per FEMA's National Risk Index, Golden Valley County's top hazards are wildfire (Very Low), winter weather (Very Low) and hail (Very Low).
Golden Valley County had 1 active National Flood Insurance Program policy as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $212,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Winter Weather (Very Low), Hail (Very Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $1,768 - statewide average (NAIC, 2023 data) |
Towns and cities
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)