Home Insurance in Judith Gap, Montana
Homes in Judith Gap carry a median value of $110,100 - 39% lower than the Wheatland County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Judith Gap was built around 1974. About 43% of homes were built before 1960, about 10 points below Wheatland County's 53%.
The housing stock in Judith Gap is 76% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Judith Gap, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Judith Gap are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Judith Gap - 86% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Judith Gap? 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 | $110,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)