Home Insurance in Forsyth, Montana
Homes in Forsyth carry a median value of $208,400 - 14% higher than the Rosebud County median.
The typical home in Forsyth was built around 1963. About 46% of homes were built before 1960, about 25 points above Rosebud County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Forsyth is 76% single-family homes, 9% 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 Forsyth, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Forsyth has an owner-occupancy rate of 61% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
71% of homes in Forsyth are primarily heated with natural gas.
What's the biggest home insurance risk near Forsyth? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Rosebud County and Rosebud County had 10 active NFIP flood policies as of September 2026. See the full Rosebud 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 | $208,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Rosebud County | 10 |
| 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)