Home Insurance in Lewis and Clark County, Montana
Homes in Lewis and Clark County carry a median value of $393,500 - close to the Montana median.
The typical home in Lewis and Clark County was built around 1982. About 23% of homes were built before 1960, about 3 points below Montana's 26%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Lewis and Clark County is 70% single-family homes, 9% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 61% of owner-occupied homes in Lewis and Clark County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lewis and Clark County has an owner-occupancy rate of 70% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Lewis and Clark County - 57% - are primarily heated with natural gas.
The top hazards for Lewis and Clark County, per FEMA's National Risk Index, are winter weather (Very High), wildfire (Relatively Moderate) and earthquake (Relatively 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. As of September 2026, Lewis and Clark County has 191 active NFIP flood policies on file.
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 | $393,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Wildfire (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 191 |
| Home insurance premium | $1,768 - statewide average (NAIC, 2023 data) |
Towns and cities
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)