Home Insurance in Twin Bridges, Montana
The median home value in Twin Bridges is $236,800, 50% lower than the Madison County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Twin Bridges was built around 1966. About 32% of homes were built before 1960, about 16 points above Madison County's 16%.
The housing stock in Twin Bridges is 76% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Twin Bridges, about 9% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Twin Bridges are owner-occupied. The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
67% of homes in Twin Bridges are primarily heated with natural gas.
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.
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 | $236,800 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 9% |
| 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)