Home Insurance in Treasure County, Montana
With a median home value of $230,300, Treasure County is 39% lower than the Montana median.
The typical home in Treasure County was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 41% of homes were built before 1960, about 15 points above Montana's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Treasure County is 79% single-family homes, 3% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
About 31% of owner-occupied homes in Treasure County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Treasure County are owner-occupied.
51% of homes in Treasure County 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.
FEMA's National Risk Index lists wildfire (Relatively Low), winter weather (Very Low) and hail (Very Low) as the leading hazards for Treasure County.
Treasure County has no active NFIP flood policies on file. 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 | $230,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Very Low), Hail (Very Low) |
| 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)