Home Insurance in Wibaux County, Montana
The median home value in Wibaux County is $98,600, 74% lower than the Montana median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Wibaux County was built around 1973. About 39% of homes were built before 1960, about 14 points above Montana's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wibaux County is 75% single-family homes and 20% mobile or manufactured homes.
About 28% of owner-occupied homes in Wibaux County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Wibaux County are owner-occupied.
52% of homes in Wibaux County 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.
Per FEMA's National Risk Index, Wibaux County's top hazards are wildfire (Very Low), winter weather (Relatively Low) and hail (Very Low).
Wibaux County had 6 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $98,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Winter Weather (Relatively Low), Hail (Very Low) |
| Active NFIP flood policies (county) | 6 |
| Home insurance premium | $1,768 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)