Home Insurance in Boulder, Montana
The median home value in Boulder is $212,300, 52% lower than the Jefferson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Boulder was built around 1971. About 34% of homes were built before 1960, about 17 points above Jefferson County's 16%.
The housing stock in Boulder is 76% single-family homes, 2% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Boulder have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Boulder has an owner-occupancy rate of 73% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Boulder - 58% - are primarily heated with natural gas. Homes heated with propane 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 Boulder? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Jefferson County and Jefferson County had 23 active NFIP flood policies as of September 2026. See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $212,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Jefferson County | 23 |
| 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)