Home Insurance in Glasgow, Montana
Homes in Glasgow carry a median value of $195,700 - close to the Valley 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 Glasgow was built around 1964. About 37% of homes were built before 1960, about 4 points above Valley County's 33%.
In Glasgow, the housing stock is 79% single-family homes, 15% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
60% of owner-occupied homes in Glasgow carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Glasgow has an owner-occupancy rate of 73% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Glasgow - 79% - are primarily heated with natural gas.
Valley County had 23 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $195,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)