Home Insurance in Hingham, Montana
Homes in Hingham carry a median value of $135,000 - 33% lower than the Hill County median.
The typical home in Hingham was built around 1947. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 70% of homes were built before 1960, about 31 points above Hill County's 39%.
In Hingham, the housing stock is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 17% of owner-occupied homes in Hingham have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Hingham are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hingham - 95% - are primarily heated with natural gas.
What's the biggest home insurance risk near Hingham? FEMA's National Risk Index points to winter weather (Relatively High) in Hill County and Hill County had 14 active NFIP flood policies as of September 2026. See the full Hill County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Montana carries a statewide average premium of $1,768 per year.
Key figures
| Median home value | $135,000 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Hill County | 14 |
| 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)