Home Insurance in Roosevelt County, Montana
Homes in Roosevelt County carry a median value of $118,800 - 68% lower than the Montana median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Roosevelt County was built around 1974. About 35% of homes were built before 1960, about 9 points above Montana's 26%.
In Roosevelt County, the housing stock is 79% single-family homes, 5% apartments in buildings with 5+ units 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 24% of owner-occupied homes in Roosevelt County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Roosevelt County has an owner-occupancy rate of 67% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
In Roosevelt County, 51% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Roosevelt County's top hazards are winter weather (Relatively High), strong wind (Relatively Moderate) and wildfire (Relatively Low).
As of September 2026, Roosevelt County has 7 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $118,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Strong Wind (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 7 |
| 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)