Home Insurance in Fort Peck, Montana
With a median home value of $273,900, Fort Peck is 38% higher than the Valley County median.
The typical home in Fort Peck was built around 1966. About 25% of homes were built before 1960, about 8 points below Valley County's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Fort Peck breaks down to 97% single-family homes and 2% apartments in buildings with 5+ units.
In Fort Peck, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fort Peck has an owner-occupancy rate of 98% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Most homes in Fort Peck - 95% - are primarily heated with natural gas.
FEMA rates Valley County's overall risk as Very Low, led by hail (Relatively Moderate). Valley County had 23 active NFIP flood policies as of September 2026. See the full Valley County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Montana, the statewide average premium for a standard HO-3 homeowners policy is $1,768 per year (NAIC, 2023 data).
Key figures
| Median home value | $273,900 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Valley County | 23 |
| 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)