Home Insurance in Eureka, Montana
Homes in Eureka carry a median value of $172,000 - 42% lower than the Lincoln County median.
The typical home in Eureka was built around 1974. About 31% of homes were built before 1960, about 12 points above Lincoln County's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Eureka is 62% single-family homes and 32% mobile or manufactured homes.
About 32% of owner-occupied homes in Eureka have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Eureka has an owner-occupancy rate of 79% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Eureka - 58% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Lincoln County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Lincoln County had 57 active NFIP flood policies as of September 2026. See the full Lincoln 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 | $172,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Lincoln County | 57 |
| 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)