Home Insurance in Dodson, Montana
With a median home value of $45,200, Dodson is 77% lower than the Phillips County median.
The typical home in Dodson was built around 1973. About 35% of homes were built before 1960, about 1 point above Phillips County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Dodson is 89% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 3% of owner-occupied homes in Dodson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 92% of occupied homes in Dodson are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Dodson - 83% - 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.
Phillips County had 22 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Phillips 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 | $45,200 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 3% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Phillips County | 22 |
| 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)