Best States / Montana / Fergus County

Fergus County, MT · off-grid fact sheet

Can you live off-grid in Fergus County, Montana?

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Major concerns

Possible, but hard and costly. Only about 17 inches of rain falls a year, so you will rely on a well or hauled water. The growing season is only about 124 frost-free days, so plan on cold-hardy crops and a greenhouse.

What the land says

Rain
Too dry to live on rain. Plan on a well, and on irrigating anything you grow.
About 17 inches a year (PRISM, 1991 to 2020 average)
Wells
Well depth varies a lot here. Get a local driller's quote before you offer.
Typical well depths here range from 80 feet to 970 feet
Growing season
Short. Start seeds indoors and favor cold-hardy crops.
About 124 frost-free days, USDA zone 4b; last frost about May 16, first about September 23
Sun
Good sun. Size the array and battery bank for winter.
About 4.7 hours of full sun a day, averaged over the year
Flood
Flood zones are rare here. Still, look up the parcel on FEMA's flood map.
FEMA maps no flood zones nearby
Wildfire
Wildfire risk is high in places. Check the risk for the parcel you want.
U.S. Forest Service wildfire hazard map: Very Low to High here
Storms
Hurricanes and strong tornadoes are rare here.
NOAA: no hurricane-strength storm within 50 miles since 1975; about 0.3 strong (EF2 or stronger) tornadoes a decade within 25 miles
Terrain
Steep in places. Driveways, septic, and foundations cost more.
Slopes average about 18%, about 3,870 feet above sea level
Soil
Good ground for a standard septic system. The county's soil test decides.
Loam, well drained (USDA soil survey). A standard system typically runs $5,000 to $10,000
Road
Paved roads are close by.
Nearest paved road usually within about 0.9 miles (OpenStreetMap)

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Is it legal here?

Zoning
Rural land here is often unzoned. Confirm with the county before you build.
Building code
Montana's state building code does not apply to a house unless the city, town, or county has adopted it, so where none has, the state issues no building permit for a home. The state energy code still applies to new homes, through the builder's self-certification.
Rainwater
Collecting it is allowed.
Composting toilets
Allowed.
Water rights
Water belongs to whoever claimed it first. A new well or pond may need a state permit, and a creek may already be claimed.

Look up a parcel's zoning free, or read Is it legal to live off-grid in Montana? for permits, septic, wells, and the counties that opt out.

What it costs to set up a homestead here

Well
Not priced
Depends on depth, which varies here. Get a driller's quote.
Septic
$5,000 to $10,000
Standard system
Solar and batteries
$18,000 to $34,000
Sized for a modest household
Road or driveway
$3,000 to $9,000
From the nearest road to a house site
Clearing
$1,000 to $4,000
A house site, solar, and garden
Total
$27,000 to $57,000
Before the house, plus the well

Before you make an offer on land here

Well depth
Get a local driller's depth estimate.
Typical well depths here range from 80 feet to 970 feet.
Wildfire
Ask an insurance agent whether they will write a policy.
The U.S. Forest Service rates wildfire risk high in places.
Zoning
Confirm with the county whether the parcel is zoned.
Rural land in Montana is often unzoned.

Nearby counties

11,772 people live in Fergus County, about 2.7 per square mile. It ranks tied for 42nd of the 56 Montana counties we scored, and Montana ranks 42nd of 50 states.

Petroleum County, MT · Judith Basin County, MT · Golden Valley County, MT · Wheatland County, MT · Musselshell County, MT · Chouteau County, MT · All scored Montana counties

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Sources: FEMA flood maps, USGS and state driller well records, USGS brackish groundwater study, USDA soil survey, USGS 3DEP elevation, U.S. Forest Service wildfire hazard, USGS seismic hazard, USGS PAD-US public land, U.S. Census housing counts, USDA county land values, FCC broadband map, CMS hospital list. Rainfall: PRISM Group, Oregon State University, prism.oregonstate.edu (1991-2020 normals, 4 km grid; accessed 2026-09-17). Temperatures: PRISM Group, Oregon State University, prism.oregonstate.edu (1991-2020 temperature normals, 4 km grid; accessed 2026-09-26). Storms: NOAA hurricane tracks (HURDAT2, 1975-2025) and Storm Prediction Center tornado paths (EF2+, 1990-2025). Roads: © OpenStreetMap contributors. Data updated September 2026.