Home Insurance in Alberton, Montana
The median home value in Alberton is $267,700, 27% lower than the Mineral County median.
The typical home in Alberton was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 47% of homes were built before 1960, about 27 points above Mineral County's 20%.
In Alberton, the housing stock is 72% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 80% of owner-occupied homes in Alberton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Alberton are owner-occupied.
37% of homes in Alberton are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Mineral County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Mineral County had 31 active NFIP flood policies as of September 2026. See the full Mineral 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 | $267,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Mineral County | 31 |
| 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)