Montana
Home insurance overview — 167 ZIP codes, 150 cities
Avg Premium (2025 Est.)
$2,242
+15.3% from 2022
Nonrenewal Rate
1.26%
5yr Storm Damage
$59.3M
Montana Risk Map
Cities
| City | ZIP Codes | Avg Premium | Stress Score | Risk |
|---|---|---|---|---|
| Trego | 1 | $2,478 | 84 | Extreme |
| Ballantine | 1 | $2,919 | 82 | Extreme |
| Huson | 1 | $2,445 | 74 | High |
| Seeley Lake | 1 | $2,184 | 73 | High |
| Fortine | 1 | $2,351 | 73 | High |
| Alder | 1 | $2,737 | 71 | High |
| Dayton | 1 | $3,341 | 71 | High |
| St. Regis | 1 | $1,782 | 70 | High |
| Big Sandy | 1 | $2,114 | 70 | High |
| Elmo | 1 | $2,842 | 69 | High |
| Condon | 1 | $3,084 | 69 | High |
| Ovando | 1 | $2,802 | 69 | High |
| Indian Springs | 1 | $2,036 | 69 | High |
| Gallatin River Ranch | 1 | $2,546 | 68 | High |
| Worden | 1 | $2,637 | 68 | High |
| Cyr | 1 | $1,931 | 67 | High |
| Somers | 1 | $2,299 | 67 | High |
| Martin City | 1 | $1,781 | 67 | High |
| Yaak | 1 | $1,695 | 67 | High |
| Fort Peck | 1 | $2,393 | 66 | High |
| Chinook | 1 | $1,966 | 66 | High |
| Fort Belknap Agency | 1 | $1,891 | 66 | High |
| Kila | 1 | $2,014 | 66 | High |
| Ulm | 1 | $2,091 | 66 | High |
| Fishtail | 2 | $3,201 | 65 | High |
| McAllister | 1 | $2,812 | 65 | High |
| West Glacier | 1 | $1,801 | 65 | High |
| Rollins | 1 | $2,942 | 65 | High |
| Whitefish | 1 | $2,933 | 65 | High |
| Conner | 1 | $2,517 | 65 | High |
| Culbertson | 1 | $3,320 | 65 | High |
| Valier | 1 | $1,891 | 64 | High |
| South Glastonbury | 2 | $3,402 | 64 | High |
| Belfry | 1 | $2,466 | 64 | High |
| Marion | 1 | $2,134 | 64 | High |
| Coram | 1 | $1,565 | 64 | High |
| Silesia | 1 | $2,503 | 63 | High |
| Lakeside | 1 | $2,680 | 63 | High |
| Frenchtown | 1 | $1,860 | 63 | High |
| Sula | 1 | $2,981 | 63 | High |
| White Sulphur Springs | 1 | $2,558 | 63 | High |
| Wolf Point | 1 | $2,410 | 63 | High |
| Lakeview | 1 | $1,478 | 62 | High |
| Shepherd | 1 | $2,870 | 62 | High |
| West Kootenai | 1 | $1,969 | 62 | High |
| Huntley | 1 | $3,032 | 62 | High |
| Riceville | 1 | $2,287 | 62 | High |
| Clyde Park | 1 | $2,501 | 62 | High |
| Sunburst | 1 | $2,041 | 62 | High |
| Fromberg | 1 | $2,110 | 61 | High |
| Black Eagle | 1 | $1,775 | 61 | High |
| Plentywood | 1 | $2,505 | 61 | High |
| Hungry Horse | 1 | $1,334 | 61 | High |
| Lincoln | 1 | $1,792 | 61 | High |
| Baker | 1 | $2,745 | 61 | High |
| Monarch | 1 | $2,196 | 60 | Elevated |
| Fairview | 1 | $2,782 | 60 | Elevated |
| Evaro | 1 | $1,998 | 60 | Elevated |
| Wheatland | 1 | $2,058 | 60 | Elevated |
| Scobey | 1 | $2,614 | 60 | Elevated |
| Carlton | 1 | $2,001 | 59 | Elevated |
| Noxon | 1 | $2,048 | 59 | Elevated |
| Park City | 1 | $2,314 | 59 | Elevated |
| Big Sky | 2 | $6,789 | 59 | Elevated |
| Augusta | 1 | $1,895 | 59 | Elevated |
| St. Ignatius | 1 | $1,983 | 59 | Elevated |
| Nashua | 1 | $2,337 | 59 | Elevated |
| Elliston | 1 | $2,019 | 58 | Elevated |
| Lake Mary Ronan | 1 | $1,988 | 58 | Elevated |
| Absarokee | 1 | $2,226 | 58 | Elevated |
| Happys Inn | 1 | $1,508 | 58 | Elevated |
| New Rockport Colony | 1 | $1,938 | 57 | Elevated |
| Sedan | 2 | $2,344 | 57 | Elevated |
| Basin | 1 | $1,910 | 57 | Elevated |
| Victor | 1 | $2,153 | 57 | Elevated |
| Jefferson City | 1 | $2,183 | 57 | Elevated |
| Starr School | 1 | $1,498 | 57 | Elevated |
| Milford Colony | 1 | $1,982 | 56 | Elevated |
| Hardy | 1 | $2,233 | 56 | Elevated |
| Twin Creeks | 1 | $2,257 | 56 | Elevated |
| Sidney | 1 | $2,958 | 56 | Elevated |
| Cooke City | 1 | $2,179 | 56 | Elevated |
| Ennis | 2 | $2,965 | 56 | Elevated |
| Malta | 1 | $2,197 | 56 | Elevated |
| Belknap | 1 | $1,643 | 56 | Elevated |
| Fairfield | 1 | $1,951 | 55 | Elevated |
| Herron | 1 | $2,010 | 55 | Elevated |
| Bigfork | 1 | $2,523 | 55 | Elevated |
| Santa Rita | 1 | $1,564 | 55 | Elevated |
| Vaughn | 1 | $2,009 | 55 | Elevated |
| Bozeman | 1 | $2,951 | 55 | Elevated |
| Hardin | 1 | $2,408 | 55 | Elevated |
| Riverbend | 1 | $1,719 | 54 | Elevated |
| West Yellowstone | 1 | $2,322 | 54 | Elevated |
| Sheridan | 1 | $1,950 | 54 | Elevated |
| Jardine | 1 | $2,360 | 54 | Elevated |
| Columbus | 1 | $2,536 | 54 | Elevated |
| St. Marie | 1 | $2,287 | 54 | Elevated |
| Twin Bridges | 1 | $2,301 | 53 | Elevated |
| Neihart | 1 | $1,506 | 53 | Elevated |
| Billings | 3 | $2,694 | 53 | Elevated |
| Laurel | 1 | $2,382 | 53 | Elevated |
| Polson | 1 | $2,038 | 52 | Elevated |
| Klein | 1 | $2,342 | 52 | Elevated |
| The Silos | 1 | $1,900 | 52 | Elevated |
| Shelby | 1 | $1,651 | 52 | Elevated |
| Lockwood | 1 | $2,383 | 52 | Elevated |
| Bridger | 1 | $2,124 | 52 | Elevated |
| Heron | 1 | $1,882 | 52 | Elevated |
| East Glacier Park Village | 1 | $1,878 | 51 | Elevated |
| Big Arm | 1 | $2,192 | 51 | Elevated |
| Four Corners | 1 | $2,392 | 50 | Elevated |
| Lolo | 1 | $1,635 | 50 | Elevated |
| Stevensville | 1 | $1,760 | 50 | Elevated |
| Fort Benton | 1 | $1,924 | 50 | Elevated |
| Roberts | 1 | $2,459 | 50 | Elevated |
| Hamilton | 1 | $2,079 | 50 | Elevated |
| Clancy | 1 | $2,553 | 50 | Elevated |
| Butte-Silver Bow (balance) | 4 | $1,943 | 49 | Elevated |
| Philipsburg | 1 | $1,814 | 49 | Elevated |
| Fort Shaw | 1 | $2,040 | 49 | Elevated |
| Kicking Horse | 1 | $1,992 | 48 | Elevated |
| Helena Valley Northeast | 1 | $2,064 | 48 | Elevated |
| Pray | 1 | $2,270 | 48 | Elevated |
| Orchard Homes | 1 | $1,846 | 48 | Elevated |
| West Glendive | 1 | $2,422 | 48 | Elevated |
| Harlowton | 1 | $1,844 | 48 | Elevated |
| Trout Creek | 1 | $1,891 | 47 | Elevated |
| Spokane Creek | 1 | $1,847 | 47 | Elevated |
| Missoula | 4 | $1,662 | 47 | Elevated |
| Columbia Falls | 1 | $1,698 | 47 | Elevated |
| Elkhorn | 1 | $1,807 | 46 | Elevated |
| Niarada | 1 | $1,369 | 46 | Elevated |
| Red Lodge | 1 | $2,454 | 46 | Elevated |
| Kalispell | 1 | $1,654 | 46 | Elevated |
| Corvallis | 1 | $1,888 | 46 | Elevated |
| Lewistown | 1 | $2,016 | 46 | Elevated |
| Clinton | 1 | $1,883 | 45 | Elevated |
| Pablo | 1 | $1,600 | 45 | Elevated |
| Great Falls | 3 | $1,823 | 45 | Elevated |
| Big Timber | 1 | $2,315 | 44 | Elevated |
| Weeksville | 1 | $1,669 | 44 | Elevated |
| Drummond | 1 | $1,683 | 44 | Elevated |
| Miles City | 1 | $2,260 | 44 | Elevated |
| Colstrip | 1 | $2,412 | 44 | Elevated |
| Helena | 1 | $1,950 | 43 | Elevated |
| Anaconda-Deer Lodge County | 3 | $1,851 | 43 | Elevated |
| Forsyth | 1 | $2,260 | 41 | Elevated |
| Conrad | 1 | $1,725 | 38 | Moderate |
| Dillon | 1 | $1,641 | 36 | Moderate |
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Highest Risk ZIPs
Data Sources & Methodology
Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.
2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.