Home Insurance in Sunburst, Montana
Homes in Sunburst carry a median value of $139,600 - 36% lower than the Toole County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sunburst was built around 1963. About 47% of homes were built before 1960, about 3 points above Toole County's 44%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sunburst is 82% single-family homes and 18% mobile or manufactured homes.
In Sunburst, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Sunburst are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
54% of homes in Sunburst are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Toole County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Very Low). See the full Toole 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 | $139,600 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Wildfire (Very Low) |
| 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)