Home Insurance in East Helena, Montana
With a median home value of $290,700, East Helena is 26% lower than the Lewis and Clark County median.
The typical home in East Helena was built around 1971. About 47% of homes were built before 1960, about 24 points above Lewis and Clark County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In East Helena, the housing stock is 75% single-family homes. The rest are 2-4 unit or other housing types.
In East Helena, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in East Helena are owner-occupied.
Most homes in East Helena - 75% - are primarily heated with natural gas.
Lewis and Clark County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Lewis and Clark County had 191 active NFIP flood policies as of September 2026. See the full Lewis and Clark 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 | $290,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Lewis and Clark County | 191 |
| 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)