Home Insurance in Circle, Montana
The median home value in Circle is $171,900, 19% lower than the McCone County median.
The typical home in Circle was built around 1958. About 54% of homes were built before 1960, about 10 points above McCone County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Circle breaks down to 81% single-family homes and 6% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
54% of owner-occupied homes in Circle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Circle 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. In Circle, 65% of homes are primarily heated with electricity.
McCone County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hail (Relatively Low). See the full McCone 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 | $171,900 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively Low) |
| 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)