Home Insurance in Outlook, Montana
The median home value in Outlook is $125,000, close to the Sheridan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Outlook was built around 1983. About 38% of homes were built before 1960, about 8 points below Sheridan County's 46%.
In Outlook, the housing stock is 83% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Outlook, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Outlook are owner-occupied.
67% of homes in Outlook are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Sheridan County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Sheridan County has no active NFIP flood policies on file. See the full Sheridan 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 | $125,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| 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)