Home Insurance in Opheim, Montana
Homes in Opheim carry a median value of $48,600 - 76% lower than the Valley County median.
The typical home in Opheim was built around 1943. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 68% of homes were built before 1960, about 34 points above Valley County's 33%.
In Opheim, the housing stock is 82% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Opheim, about 19% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Opheim has an owner-occupancy rate of 86% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
Most homes in Opheim - 57% - 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 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.
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 | $48,600 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 19% |
| 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)