Home Insurance in Westby, Montana
With a median home value of $65,800, Westby is 47% lower than the Sheridan County median.
The typical home in Westby was built around 1960. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 50% of homes were built before 1960, about 5 points above Sheridan County's 46%.
In Westby, the housing stock is 72% single-family homes, 1% apartments in buildings with 5+ units and 16% 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 38% of owner-occupied homes in Westby have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Westby are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
57% of homes in Westby 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 | $65,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)