Home Insurance Non-Renewals in Montana, County by County
1.02 percent of Montana homeowners policies were not renewed in 2023. Every county in the Senate Budget Committee file, 2018 to 2023, with its policy base.
The state series
| Year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Rate | 0.61% | 0.53% | 0.38% | 0.43% | 0.66% | 1.02% |
The Montana series has its floor in the middle of it. The rate bottomed at 0.38 percent in 2020, the lowest of the six readings, then rose in each of the three years after that to reach 1.02 percent in 2023. That leaves it 0.41 points above the 0.61 percent it started from in 2018. Ranked by the size of the move since 2018 rather than by the level, it comes 10th of 51. The low year is 2020. Under the 2023 rate sit 2,172 policies the insurer chose not to renew out of 213,208 in force, against 1,104 out of 181,435 six years earlier, so the count of dropped policies rose over the file while the book behind it grew. Non-renewals counted 1,104 in 2018 and 2,172 in 2023, while the book behind them grew from 181,435 policies to 213,208. Of the 38 counties left once the ones under 500 policies are set aside, Lincoln carried the highest 2023 reading at 1.84 percent, 0.82 points above the state figure. Across the 56 counties with a 2023 reading the midpoint is 0.89 percent against 1.02 percent for the state. Within that group, top to bottom the 2023 readings cover 1.50 points, with the lowest county at 0.34 percent. The national top 100 counties by 2023 rate, counted from books of at least 500 policies, holds nothing from this state. Each figure counts a policy the insurer let expire instead of renewing it. That is a decision made by the carrier, and it tends to show up in the data before prices and availability move.
Every county in the file
Nothing is filtered out of this table, only out of the arithmetic above it, where a county needs 500 policies in 2023 before its rate is ranked or named. 18 counties below sit under it and are printed anyway. On a two-policy book a single non-renewal is 50 percent, and that is a property of the fraction.
| County | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Policies in force 2023 | Trend |
|---|---|---|---|---|---|---|---|---|
| Garfield | 1.67% | 1.67% | 1.67% | 0.00% | 0.00% | 3.41% | 88 | up sharply |
| Prairie | 0.00% | 2.38% | 0.00% | 0.00% | 0.00% | 2.70% | 74 | up sharply |
| Petroleum | 0.00% | 3.03% | 0.00% | 0.00% | 0.00% | 2.22% | 45 | up sharply |
| Carter | 0.00% | 0.00% | 0.00% | 2.33% | 0.00% | 2.08% | 48 | up sharply |
| Liberty | 0.00% | 0.00% | 0.00% | 1.00% | 3.20% | 1.89% | 212 | up sharply |
| Lincoln | 0.56% | 0.75% | 0.36% | 0.57% | 0.97% | 1.84% | 4,946 | up sharply |
| Jefferson | 0.87% | 0.49% | 0.25% | 0.34% | 0.69% | 1.83% | 4,427 | up sharply |
| Roosevelt | 0.98% | 0.46% | 0.23% | 1.54% | 1.90% | 1.77% | 451 | up sharply |
| Powell | 1.04% | 0.86% | 0.47% | 0.80% | 0.85% | 1.75% | 1,200 | up sharply |
| Flathead | 0.71% | 0.39% | 0.35% | 0.44% | 0.81% | 1.51% | 24,691 | up sharply |
| Daniels | 1.53% | 0.00% | 0.00% | 0.00% | 0.66% | 1.49% | 201 | flat |
| Toole | 1.37% | 1.66% | 0.00% | 0.95% | 2.07% | 1.47% | 611 | flat |
| Lewis and Clark | 0.70% | 0.71% | 0.27% | 0.34% | 0.55% | 1.33% | 13,139 | up sharply |
| Pondera | 1.20% | 0.49% | 0.62% | 0.72% | 0.53% | 1.33% | 754 | up |
| Madison | 0.31% | 0.10% | 0.25% | 0.32% | 0.74% | 1.30% | 3,837 | up sharply |
| Silver Bow | 0.71% | 0.46% | 0.37% | 0.41% | 0.74% | 1.30% | 7,836 | up sharply |
| Lake | 0.57% | 0.63% | 0.49% | 0.48% | 0.79% | 1.24% | 9,363 | up sharply |
| Sanders | 0.66% | 0.72% | 0.19% | 0.39% | 0.84% | 1.19% | 2,351 | up sharply |
| Musselshell | 0.78% | 0.73% | 0.68% | 0.75% | 0.67% | 1.15% | 781 | up |
| Ravalli | 0.50% | 0.50% | 0.37% | 0.57% | 0.83% | 1.15% | 11,221 | up sharply |
| Big Horn | 0.87% | 0.87% | 0.42% | 0.52% | 0.50% | 1.10% | 820 | up |
| Missoula | 0.46% | 0.39% | 0.27% | 0.31% | 0.75% | 1.09% | 22,394 | up sharply |
| Mineral | 0.67% | 0.65% | 0.44% | 0.73% | 1.46% | 1.08% | 1,295 | up |
| Glacier | 0.84% | 0.51% | 0.29% | 0.73% | 1.33% | 1.01% | 1,084 | up |
| Park | 0.62% | 0.50% | 0.39% | 0.36% | 0.66% | 0.97% | 4,526 | up |
| Teton | 0.90% | 0.51% | 0.32% | 0.60% | 0.69% | 0.94% | 741 | flat |
| Blaine | 0.75% | 1.00% | 0.25% | 0.69% | 1.51% | 0.89% | 447 | up |
| Valley | 0.70% | 0.71% | 0.45% | 0.57% | 0.54% | 0.89% | 903 | up |
| Carbon | 0.66% | 0.26% | 0.25% | 0.50% | 0.44% | 0.88% | 3,170 | up |
| Gallatin | 0.33% | 0.33% | 0.31% | 0.32% | 0.47% | 0.84% | 22,316 | up sharply |
| McCone | 0.00% | 0.93% | 0.45% | 0.00% | 0.45% | 0.82% | 244 | up sharply |
| Cascade | 0.75% | 0.62% | 0.42% | 0.46% | 0.62% | 0.78% | 13,167 | flat |
| Custer | 0.99% | 0.45% | 1.06% | 0.53% | 0.42% | 0.77% | 1,556 | down |
| Deer Lodge | 1.38% | 1.01% | 0.25% | 0.49% | 1.09% | 0.72% | 2,901 | down sharply |
| Sweet Grass | 0.28% | 0.40% | 0.26% | 0.37% | 0.58% | 0.71% | 846 | up |
| Judith Basin | 0.00% | 0.53% | 0.00% | 1.15% | 0.71% | 0.70% | 285 | up sharply |
| Beaverhead | 0.45% | 0.43% | 0.42% | 0.55% | 0.43% | 0.67% | 2,092 | up |
| Granite | 0.48% | 0.28% | 0.27% | 0.68% | 0.97% | 0.65% | 1,235 | up |
| Broadwater | 0.61% | 0.66% | 0.41% | 0.56% | 0.81% | 0.63% | 1,116 | flat |
| Hill | 0.90% | 0.53% | 0.38% | 0.41% | 0.67% | 0.57% | 2,466 | down |
| Dawson | 0.41% | 1.00% | 0.44% | 0.89% | 0.86% | 0.54% | 1,296 | up |
| Phillips | 0.77% | 0.57% | 0.57% | 0.74% | 1.23% | 0.53% | 570 | down |
| Fergus | 0.25% | 0.15% | 0.14% | 0.25% | 0.52% | 0.51% | 1,771 | up |
| Yellowstone | 0.62% | 0.65% | 0.57% | 0.39% | 0.35% | 0.51% | 32,718 | down |
| Richland | 0.74% | 0.88% | 0.16% | 0.40% | 0.86% | 0.50% | 1,208 | down |
| Meagher | 0.00% | 1.08% | 0.26% | 1.65% | 1.57% | 0.45% | 446 | up |
| Stillwater | 0.44% | 0.67% | 0.23% | 0.26% | 0.21% | 0.45% | 2,447 | flat |
| Chouteau | 0.52% | 0.74% | 0.00% | 0.45% | 0.42% | 0.41% | 491 | down |
| Sheridan | 0.71% | 0.92% | 1.20% | 0.93% | 2.10% | 0.37% | 535 | down |
| Rosebud | 0.40% | 0.41% | 0.80% | 0.13% | 0.23% | 0.34% | 872 | flat |
| Fallon | 0.45% | 0.36% | 0.36% | 0.00% | 1.21% | 0.00% | 337 | down |
| Golden Valley | 1.12% | 2.04% | 0.88% | 1.77% | 2.42% | 0.00% | 116 | down sharply |
| Powder River | 0.00% | 1.08% | 1.09% | 0.00% | 0.00% | 0.00% | 124 | flat |
| Treasure | 0.00% | 0.00% | 1.35% | 0.00% | 0.00% | 0.00% | 88 | flat |
| Wheatland | 1.42% | 0.48% | 0.00% | 0.00% | 0.82% | 0.00% | 242 | down sharply |
| Wibaux | 2.63% | 0.00% | 0.00% | 1.75% | 3.39% | 0.00% | 67 | down sharply |
Data last updated , the committee’s release date. Download the full county file as CSV, policy bases included.
The notice window
Notice periods before a non-renewal are set by state law and this desk has not yet sourced the Montana statute. The states it has checked are on the coverage map. For Montana, the department of insurance is the record that governs.
Sources
Every figure on this page comes from the record below.
- Senate Budget Committee, county-level homeowners insurance non-renewal dataset, 2018 to 2023, released December 2024. Committee release. Machine-readable copy: dataset mirror.
- Coverage: 23 insurers, about two thirds of the United States homeowners market, 249 million policy records over the six years.