Home Insurance in Wolf Point, Montana
With a median home value of $118,600, Wolf Point is close to the Roosevelt County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Wolf Point was built around 1964. About 46% of homes were built before 1960, about 12 points above Roosevelt County's 35%.
In Wolf Point, the housing stock is 76% single-family homes, 12% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Wolf Point, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Wolf Point are owner-occupied.
75% of homes in Wolf Point are primarily heated with natural gas.
Roosevelt County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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.
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 | $118,600 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)