Home insurance costs & natural hazards in Montana
Plain facts for Montana homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Montana at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Montana pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Montana ZIP code saw homeowners premiums of $1,823 per policy in 2022, 18% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 9% between 2018 and 2022. The figures come from 167 Montana ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 2,917 single-family NFIP policies took effect in Montana in 2025, at an average full cost of $1,171, compared with $989 in 2022. About 69% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Montana's 56 counties FEMA rates relatively high or very high for each hazard. The most widespread are winter weather, cold wave and avalanche. Open any county for its full hazard profile.
Hazards across Montana's counties
Montana counties
All 56 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Beaverhead County | $1,344 | $1,069 | Relatively Low |
| Big Horn County | $2,129 | — | Relatively Low |
| Blaine County | $1,734 | $1,512 | Relatively Low |
| Broadwater County | $1,602 | — | Very Low |
| Carbon County | $2,128 | $2,070 | Relatively Low |
| Carter County | — | — | Very Low |
| Cascade County | $1,713 | $1,531 | Relatively Moderate |
| Chouteau County | $1,709 | — | Very Low |
| Custer County | $2,086 | $709 | Very Low |
| Daniels County | $2,222 | — | Very Low |
| Dawson County | $2,150 | — | Relatively Low |
| Deer Lodge County | $1,604 | $705 | Very Low |
| Fallon County | $2,425 | — | Very Low |
| Fergus County | $1,819 | $1,625 | Relatively Low |
| Flathead County | $1,608 | $1,409 | Relatively Moderate |
| Gallatin County | $2,082 | $964 | Relatively Moderate |
| Garfield County | — | — | Very Low |
| Glacier County | $1,371 | — | Relatively Low |
| Golden Valley County | — | — | Very Low |
| Granite County | $1,608 | $1,647 | Very Low |
| Hill County | $1,732 | — | Relatively Low |
| Jefferson County | $1,697 | $1,258 | Very Low |
| Judith Basin County | — | — | Very Low |
| Lake County | $1,836 | $1,354 | Relatively Low |
| Lewis and Clark County | $1,729 | $1,094 | Relatively Low |
| Liberty County | — | — | Very Low |
| Lincoln County | $1,785 | $1,715 | Relatively Low |
| Madison County | $2,234 | $1,181 | Very Low |
| McCone County | $2,104 | — | Very Low |
| Meagher County | $2,347 | $1,184 | Very Low |
| Mineral County | $1,598 | $1,807 | Very Low |
| Missoula County | $1,628 | $976 | Relatively Low |
| Musselshell County | $2,093 | $1,280 | Very Low |
| Park County | $2,108 | $2,123 | Relatively Low |
| Petroleum County | — | — | Very Low |
| Phillips County | $1,892 | $1,223 | Very Low |
| Pondera County | $1,527 | — | Very Low |
| Powder River County | — | — | Very Low |
| Powell County | $1,816 | $753 | Very Low |
| Prairie County | — | — | Very Low |
| Ravalli County | $1,810 | $1,014 | Relatively Low |
| Richland County | $2,469 | $1,114 | Relatively Low |
| Roosevelt County | $2,431 | — | Relatively Low |
| Rosebud County | $2,128 | — | Relatively Low |
| Sanders County | $1,566 | $1,457 | Relatively Low |
| Sheridan County | $2,130 | — | Very Low |
| Silver Bow County | $1,713 | $685 | Very Low |
| Stillwater County | $2,192 | $2,060 | Very Low |
| Sweet Grass County | $2,077 | $2,167 | Very Low |
| Teton County | $1,716 | $1,166 | Very Low |
| Toole County | $1,577 | — | Very Low |
| Treasure County | — | — | Very Low |
| Valley County | $2,053 | $1,966 | Very Low |
| Wheatland County | $1,615 | — | Very Low |
| Wibaux County | — | — | Very Low |
| Yellowstone County | $2,302 | $1,204 | Relatively Moderate |
ZIP codes with the most flood policies
Practical next steps
Simple things Montana homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.