Home Insurance in Harlowton, Montana
Homes in Harlowton carry a median value of $180,500 - close to the Wheatland County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Harlowton was built around 1945. About 68% of homes were built before 1960, about 15 points above Wheatland County's 53%.
The housing stock in Harlowton is 87% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 28% of owner-occupied homes in Harlowton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Harlowton are owner-occupied.
71% of homes in Harlowton are primarily heated with natural gas.
What's the biggest home insurance risk near Harlowton? FEMA's National Risk Index points to wildfire (Very Low) in Wheatland County and Wheatland County had 8 active NFIP flood policies as of September 2026. See the full Wheatland County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Montana is $1,768 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $180,500 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Wheatland County | 8 |
| 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)