Home Insurance in Ennis, Montana
Homes in Ennis carry a median value of $402,500 - 14% lower than the Madison County median.
The typical home in Ennis was built around 1991. About 23% of homes were built before 1960, about 7 points above Madison County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Ennis, the housing stock is 75% single-family homes, 1% apartments in buildings with 5+ units and 11% 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.
34% of owner-occupied homes in Ennis carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ennis has an owner-occupancy rate of 64% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
In Ennis, 40% of homes are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Madison County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Madison County had 51 active NFIP flood policies as of September 2026. See the full Madison 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 | $402,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Madison County | 51 |
| 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)