Home Insurance in Liberty County, Montana
Homes in Liberty County carry a median value of $169,100 - 55% lower than the Montana median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Liberty County was built around 1966. About 40% of homes were built before 1960, about 15 points above Montana's 26%.
The housing stock in Liberty County is 76% single-family homes, 12% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Liberty County, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Liberty County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Liberty County, 50% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Relatively Low), wildfire (Very Low) and earthquake (Very Low) as the leading hazards for Liberty County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Liberty County has 4 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $169,100 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Low), Wildfire (Very Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 4 |
| 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)