Home Insurance in McCone County, Montana
Homes in McCone County carry a median value of $211,600 - 44% lower than the Montana median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in McCone County was built around 1964. About 44% of homes were built before 1960, about 18 points above Montana's 26%.
The housing stock in McCone County is 82% single-family homes, 2% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In McCone County, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in McCone County are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 41% of homes in McCone County are primarily heated with electricity.
FEMA's National Risk Index lists hail (Relatively Low), wildfire (Very Low) and winter weather (Relatively Low) as the leading hazards for McCone County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. McCone County has no active NFIP flood policies on file.
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 | $211,600 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Wildfire (Very Low), Winter Weather (Relatively Low) |
| 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)