$2,368
Montana county average (2024)
41 of 56
Counties with data
$3,012
Highest: Fallon
$1,732
Lowest: Deer Lodge
Montana counties by home insurance cost
All 41 natively covered Montana counties, most expensive first (Escrow 2024). Click a column header to re-sort. “% of home value” is the annual premium divided by the county median home value.
| 1 | Fallon | $3,012 | +30% | 1.50% |
| 2 | Musselshell | $2,991 | +29% | 1.24% |
| 3 | Yellowstone | $2,914 | +26% | 0.72% |
| 4 | Stillwater | $2,906 | +26% | 0.58% |
| 5 | Gallatin | $2,836 | +23% | 0.40% |
| 6 | Rosebud | $2,825 | +22% | 1.21% |
| 7 | Sheridan | $2,799 | +21% | 1.49% |
| 8 | Richland | $2,740 | +19% | 0.96% |
| 9 | Custer | $2,705 | +17% | 1.06% |
| 10 | Carbon | $2,678 | +16% | 0.51% |
| 11 | Jefferson | $2,611 | +13% | 0.49% |
| 12 | Madison | $2,462 | +7% | 0.33% |
| 13 | Valley | $2,460 | +6% | 1.24% |
| 14 | Lewis and Clark | $2,421 | +5% | 0.51% |
| 15 | Park | $2,399 | +4% | 0.39% |
| 16 | Broadwater | $2,395 | +4% | 0.45% |
| 17 | Mineral | $2,391 | +3% | 0.60% |
| 18 | Sweet Grass | $2,371 | +3% | 0.48% |
| 19 | Ravalli | $2,370 | +3% | 0.39% |
| 20 | Dawson | $2,320 | 0% | 1.12% |
| 21 | Phillips | $2,311 | 0% | 1.00% |
| 22 | Big Horn | $2,281 | -1% | 1.00% |
| 23 | Hill | $2,258 | -2% | 0.95% |
| 24 | Glacier | $2,249 | -3% | 1.34% |
| 25 | Chouteau | $2,242 | -3% | 0.70% |
| 26 | Granite | $2,235 | -3% | 0.47% |
| 27 | Missoula | $2,232 | -3% | 0.38% |
| 28 | Teton | $2,212 | -4% | 0.61% |
| 29 | Lake | $2,200 | -5% | 0.36% |
| 30 | Cascade | $2,196 | -5% | 0.64% |
| 31 | Lincoln | $2,183 | -6% | 0.50% |
| 32 | Sanders | $2,177 | -6% | 0.47% |
| 33 | Fergus | $2,162 | -6% | 0.70% |
| 34 | Beaverhead | $2,050 | -11% | 0.50% |
| 35 | Powell | $2,034 | -12% | 0.60% |
| 36 | Blaine | $2,032 | -12% | 0.91% |
| 37 | Flathead | $1,966 | -15% | 0.30% |
| 38 | Pondera | $1,949 | -16% | 0.72% |
| 39 | Silver Bow | $1,908 | -17% | 0.65% |
| 40 | Toole | $1,858 | -20% | 0.98% |
| 41 | Deer Lodge | $1,732 | -25% | 0.58% |
Free to reuse with attribution (CC BY 4.0).
Methodology
Each county figure is the median annual homeowners insurance payment for owner-occupied homes with a mortgage escrow account, from data compiled by Benjamin Keys and Philip Mulder in NBER Working Paper 32579 (premiums through 2024). The Montana average is a simple mean of the covered counties.
Escrow data reflects mortgaged, owner-occupied homes, so a few counties can be absent, and we publish only counties with a natively measured value. For the full methodology and the national picture, see the national home insurance by county report.
Cite or reuse this data
This dataset is offered under a Creative Commons Attribution 4.0 license (CC BY 4.0). Journalists and researchers are free to reuse the tables and the CSV in stories, charts, and reports, including commercially, as long as HearthMap is credited with a link. See the license page and the press kit.
Suggested citation
HearthMap, "Homeowners Insurance Costs by County in Montana (2024)," https://hearthmap.app/home-insurance-by-county/montana. Based on Keys and Mulder, NBER Working Paper 32579.
Home insurance in Montana: frequently asked questions
- What is the average cost of homeowners insurance in Montana?
- The average homeowners insurance premium in Montana was $2,368 per year in 2024, a simple mean across the 41 counties with mortgage-escrow data (Keys-Mulder, NBER Working Paper 32579).
- Which Montana county has the cheapest home insurance?
- Deer Lodge had the lowest average homeowners insurance premium in Montana at $1,732 per year in 2024.
- Which Montana county has the most expensive home insurance?
- Fallon had the highest average homeowners insurance premium in Montana at $3,012 per year in 2024.
- How many Montana counties are in this dataset?
- 41 of 56 Montana counties have a natively measured premium from mortgage-escrow data. Counties without enough escrowed mortgages are not shown.
Related
- Cheapest counties for home insurance in Montana
- Home insurance by county, nationwide
- Interactive map of homeowners insurance cost
- Montana cost of living, schools & demographics
Home insurance by county in other states:
Get the monthly digest
One email a month: fresh county datasets, new maps, and a few interesting data finds.
No spam, one-click unsubscribe, and we never share your address.