Home Insurance in Culbertson, Montana
Homes in Culbertson carry a median value of $217,200 - 83% higher than the Roosevelt County median.
The typical home in Culbertson was built around 1961. About 49% of homes were built before 1960, about 14 points above Roosevelt County's 35%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Culbertson, the housing stock is 74% single-family homes, 3% apartments in buildings with 5+ units and 7% 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.
About 51% of owner-occupied homes in Culbertson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Culbertson has an owner-occupancy rate of 66% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Most homes in Culbertson - 55% - 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.
What's the biggest home insurance risk near Culbertson? FEMA's National Risk Index points to winter weather (Relatively High) in Roosevelt County and Roosevelt County had 7 active NFIP flood policies as of September 2026. See the full Roosevelt 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 | $217,200 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Roosevelt County | 7 |
| 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)