Homeowners Insurance in Bozeman, MT

For a home at Bozeman's median value of $687,900, we estimate about $2,990 a year — +69% versus the Montana NAIC average of $1,768.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Bozeman

Est. premium

$2,990

$249/mo · median home

Median home value

$687,900

Montana: $375,800

Median year built

2000

Census ACS

Owner-occupied

44.7%

of households

Hazard score

72.8

state ref. 65.7

Bozeman's estimate reflects its home values (83% higher than the state median) and FEMA's hazard profile for Gallatin County.

Natural hazard risk in Bozeman

FEMA National Risk Index — Gallatin County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	84.5	Comprehensive (car); roof claims (home)
Tornado	Very Low	16.7	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Low	64.3	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Low	39.2	Comprehensive; dwelling
Winter weather	Very High	99.6	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	91.4	Comprehensive; dwelling
Earthquake	Relatively Moderate	94.2	Home needs a separate earthquake policy
Lightning	Relatively High	92.8	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Bozeman

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,115	$1,025
$300,000	$1,540	$1,415
$500,000	$2,315	$2,130
$750,000	$3,205	$2,950

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Bozeman

ZIP	Median home value	Owner-occupied	Est. premium
59718	$646,400	55.5%	$2,845
59715	$848,400	55.8%	$3,535

Homeowners insurance in Montana · Car insurance in Bozeman · Insurance offices near Bozeman

Frequently asked questions

How much is homeowners insurance in Bozeman?

For a home at Bozeman's median value of $687,900, we estimate about $2,990 a year for a standard HO-3 policy with a $1,000 deductible. The Montana NAIC average is $1,768.

What are the biggest natural hazards in Bozeman?

FEMA's National Risk Index rates Gallatin County relatively high or very high for winter weather and lightning.

Does the age of homes in Bozeman affect insurance?

Yes. The median home in Bozeman was built in 2000 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Montana, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Gallatin County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page