Home Insurance in Lavina, Montana
The median home value in Lavina is $129,200, 39% lower than the Golden Valley County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lavina was built around 1958. About 54% of homes were built before 1960, about 14 points above Golden Valley County's 40%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lavina is 86% single-family homes and 14% mobile or manufactured homes.
51% of owner-occupied homes in Lavina carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Lavina are owner-occupied.
Most homes in Lavina - 55% - 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.
What's the biggest home insurance risk near Lavina? FEMA's National Risk Index points to wildfire (Very Low) in Golden Valley County and Golden Valley County had 1 active NFIP flood policy as of September 2026. See the full Golden Valley 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 | $129,200 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Golden Valley County | 1 |
| 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)