Home Insurance in Sidney, Montana
The median home value in Sidney is $236,900, 10% lower than the Richland County median.
The typical home in Sidney was built around 1980. About 27% of homes were built before 1960, in line with Richland County (27%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Sidney, the housing stock is 58% single-family homes, 16% apartments in buildings with 5+ units and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sidney, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Sidney are owner-occupied.
71% of homes in Sidney are primarily heated with natural gas.
Richland County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Richland County had 12 active NFIP flood policies as of September 2026. See the full Richland 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 | $236,900 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)