Home Insurance in Clyde Park, Montana
With a median home value of $295,800, Clyde Park is 37% lower than the Park County median.
The typical home in Clyde Park was built around 1981. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 22% of homes were built before 1960, about 12 points below Park County's 34%.
In Clyde Park, the housing stock is 70% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Clyde Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clyde Park has an owner-occupancy rate of 73% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Clyde Park, 47% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Park County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Park County had 129 active NFIP flood policies as of September 2026. See the full Park County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Montana is $1,768 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $295,800 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Park County | 129 |
| 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)