Home Insurance in Judith Basin County, Montana
Homes in Judith Basin County carry a median value of $238,300 - 37% lower than the Montana median.
The typical home in Judith Basin County was built around 1967. About 43% of homes were built before 1960, about 17 points above Montana's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Judith Basin County, the housing stock is 85% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 28% of owner-occupied homes in Judith Basin County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Judith Basin County has an owner-occupancy rate of 73% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Judith Basin County, 65% of homes are primarily heated with propane.
The top hazards for Judith Basin County, per FEMA's National Risk Index, are wildfire (Relatively Low), winter weather (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Judith Basin County has no active NFIP flood policies on file.
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 | $238,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Low), Earthquake (Very Low) |
| 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)