Home Insurance in Dutton, Montana
Homes in Dutton carry a median value of $139,500 - 47% lower than the Teton County median.
The typical home in Dutton was built around 1951. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 81% of homes were built before 1960, about 32 points above Teton County's 49%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dutton is 87% single-family homes, 3% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 58% of owner-occupied homes in Dutton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dutton has an owner-occupancy rate of 66% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Dutton - 77% - are primarily heated with propane.
Teton County had 22 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Teton County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $139,500 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Teton County | 22 |
| 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)