Homeowners Insurance in Missoula, MT
For a home at Missoula's median value of $473,100, we estimate about $1,995 a year — +13% versus the Montana NAIC average of $1,768.
Estimated homeowners insurance cost in Missoula
Missoula's estimate reflects its home values (26% higher than the state median) and FEMA's hazard profile for Missoula County.
Natural hazard risk in Missoula
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 13.3 | Comprehensive (car); roof claims (home) | |
| Tornado | 10.2 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 68.6 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 21.1 | Comprehensive; dwelling | |
| Winter weather | 80.6 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 95.8 | Comprehensive; dwelling | |
| Earthquake | 91.4 | Home needs a separate earthquake policy | |
| Lightning | 64.0 | 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 Missoula
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $1,005 | $925 |
| $300,000 | $1,385 | $1,275 |
| $500,000 | $2,085 | $1,920 |
| $750,000 | $2,885 | $2,655 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Missoula
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 59801 | $442,400 | 42.6% | $1,895 |
| 59808 | $460,900 | 58.5% | $1,955 |
| 59802 | $461,700 | 51.6% | $1,960 |
| 59803 | $556,000 | 71.1% | $2,270 |
Homeowners insurance in Montana · Car insurance in Missoula · Insurance offices near Missoula
Frequently asked questions
How much is homeowners insurance in Missoula?
For a home at Missoula's median value of $473,100, we estimate about $1,995 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 Missoula?
FEMA's National Risk Index does not rate Missoula County as relatively high for any single hazard.
Does the age of homes in Missoula affect insurance?
Yes. The median home in Missoula was built in 1981 (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 Missoula County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Missoula County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)