Home Insurance in Columbus, Montana
Homes in Columbus carry a median value of $282,800 - 30% lower than the Stillwater County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Columbus was built around 1969. About 39% of homes were built before 1960, about 13 points above Stillwater County's 25%.
The housing stock in Columbus is 76% single-family homes, 4% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Columbus have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Columbus has an owner-occupancy rate of 77% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
73% of homes in Columbus are primarily heated with natural gas.
Stillwater County had 60 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Stillwater County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Montana is $1,768 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $282,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Stillwater County | 60 |
| 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)