Home Insurance in Poplar, Montana
The median home value in Poplar is $95,000, 20% lower than the Roosevelt County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Poplar was built around 1953. About 63% of homes were built before 1960, about 28 points above Roosevelt County's 35%.
In Poplar, the housing stock is 69% single-family homes, 16% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 9% of owner-occupied homes in Poplar have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Poplar has an owner-occupancy rate of 77% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
82% of homes in Poplar are primarily heated with natural gas.
Roosevelt County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Roosevelt County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $95,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 9% |
| 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)