Home Insurance in Fairview, Montana
Homes in Fairview carry a median value of $171,600 - 35% lower than the Richland County median.
The typical home in Fairview was built around 1974. About 37% of homes were built before 1960, about 10 points above Richland County's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fairview is 66% single-family homes and 28% mobile or manufactured homes.
26% of owner-occupied homes in Fairview carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 86% of occupied homes in Fairview are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fairview - 66% - are primarily heated with natural gas.
Richland County had 12 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Richland 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 | $171,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Richland County | 12 |
| 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)