Home Insurance in Hobson, Montana
Homes in Hobson carry a median value of $161,300 - 32% lower than the Judith Basin County median.
The typical home in Hobson was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 3 points above Judith Basin County's 43%.
The housing stock in Hobson is 66% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 27% of owner-occupied homes in Hobson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hobson has an owner-occupancy rate of 75% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Hobson - 56% - are primarily heated with propane. 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 Hobson? FEMA's National Risk Index points to wildfire (Relatively Low) in Judith Basin County and Judith Basin County has no active NFIP flood policies on file. See the full Judith Basin 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 | $161,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)