Our Story
Built to serve Montana since 1907
A member-owned mutual with deep roots in the Flathead Valley.
More Than a Century of Trust
Founded by neighbors, for neighbors
Flathead Farm Mutual Insurance Company was founded in 1907 on a simple idea: rural Montanans deserved reliable insurance built for the people and properties of the Flathead Valley. More than a century later, that idea still guides everything we do.
As a mutual company, we’re owned by the members we insure. There are no outside shareholders — just a promise to be here when it matters, kept for over 118 years.
Our mission
- Provide a stable and economical insurance product for the residential, farm, and rural property owners of Western Montana
- Underwrite carefully and offer the broadest coverage practical for each class of risk
- Handle claims promptly and fairly
- Grow our membership while keeping a strong financial base
How we work
- Careful underwriting for long-term sustainability
- Local claims handling — fair and timely
- Strong relationships with agents and members
- Policies built for real Montana conditions
Financial strength
Flathead Farm Mutual holds a Financial Stability Rating® of A (Exceptional) from Demotech, Inc. — reflecting our ability to meet policyholder obligations even in the face of large-scale losses. A strong reinsurance program and long-term approach to risk keep us dependable for generations to come.
To learn more about Flathead Farm Mutual Insurance Company, you may also contact the Montana Commissioner of Securities and Insurance at 1-800-332-6148.
Leadership & Team
The people behind the promise
Experienced directors and staff with deep knowledge of insurance — and of Montana communities.
Board of Directors
- Steve Streich — President
- Janice Lake — Vice President
- Denise Gordon — General Manager, Secretary/Treasurer
- Mark Brewer
- Brent Johnson
- Wes Parker
- Chuck Eble
- Debbie Pierce
Our Staff
- Denise Gordon, MIP, MID — General Manager
- Kim Stallknecht — Underwriter
- Kelsey Hammond — Underwriter
- Julie Campbell — Underwriting Technician
- Mike Casey — Claims Adjuster
- Pete Yonge — Claims Adjuster
- Nicky Hill — Claims
- Kathy Frank — Administrative Assistant & Reinsurance Specialist
- Serena Campbell — Receptionist / Accounts Receivable
Local knowledge, real experience
Every member of our team understands the risks that come with living and working in Montana. From underwriting and claims to day-to-day operations, decisions are informed, practical, and made close to home — supporting both our members and our network of agents.
Work with Flathead Farm Mutual
Whether you’re a property owner looking for coverage or an agent seeking a reliable Montana carrier, we’re here to support you.