Home Insurance in Powder River County, Montana
With a median home value of $192,100, Powder River County is 49% lower than the Montana median.
The typical home in Powder River County was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 1 point above Montana's 26%.
The housing stock in Powder River County is 79% 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 26% of owner-occupied homes in Powder River County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Powder River County has an owner-occupancy rate of 79% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Powder River County, 67% of homes are primarily heated with propane.
Per FEMA's National Risk Index, Powder River County's top hazards are wildfire (Relatively Low), winter weather (Relatively Low) and hail (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Powder River County has 4 active NFIP flood policies on file.
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 | $192,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Low), Hail (Very Low) |
| Active NFIP flood policies (county) | 4 |
| 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)