Home Insurance in Hill County, Montana
The median home value in Hill County is $202,600, 46% lower than the Montana median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hill County was built around 1971. About 39% of homes were built before 1960, about 13 points above Montana's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hill County is 74% single-family homes, 6% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
About 49% of owner-occupied homes in Hill County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hill County has an owner-occupancy rate of 66% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Hill County, 66% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Hill County's top hazards are winter weather (Relatively High), wildfire (Very Low) and inland flooding (Relatively Low).
As of September 2026, Hill County has 14 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $202,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Wildfire (Very Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 14 |
| Home insurance premium | $1,768 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)