Home Insurance in Wibaux, Montana
With a median home value of $95,800, Wibaux is close to the Wibaux County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Wibaux was built around 1973. About 37% of homes were built before 1960, about 2 points below Wibaux County's 39%.
The housing stock in Wibaux is 70% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Wibaux, about 20% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wibaux has an owner-occupancy rate of 80% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Wibaux - 78% - are primarily heated with natural gas.
Wibaux County had 6 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Very Low). See the full Wibaux 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 | $95,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Wibaux County | 6 |
| 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)