Home Insurance in Stillwater County, Montana
Homes in Stillwater County carry a median value of $405,800 - 8% higher than the Montana median.
The typical home in Stillwater County was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 25% of homes were built before 1960, in line with Montana (26%).
In Stillwater County, the housing stock is 86% single-family homes, 2% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Stillwater County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stillwater County has an owner-occupancy rate of 83% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 47% of homes in Stillwater County are primarily heated with natural gas.
Per FEMA's National Risk Index, Stillwater County's top hazards are wildfire (Relatively Low), winter weather (Relatively Low) and inland flooding (Relatively Low).
Stillwater County had 60 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $405,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 60 |
| Home insurance premium | $1,768 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)