Home insurance costs & natural hazards in Idaho
Plain facts for Idaho homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Idaho at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Idaho pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Idaho ZIP code saw homeowners premiums of $1,235 per policy in 2022, 20% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 17% between 2018 and 2022. The figures come from 211 Idaho ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 3,692 single-family NFIP policies took effect in Idaho in 2025, at an average full cost of $1,172, compared with $935 in 2022. About 68% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Idaho's 44 counties FEMA rates relatively high or very high for each hazard. The most widespread are avalanche, winter weather and lightning. Open any county for its full hazard profile.
Hazards across Idaho's counties
Idaho counties
All 44 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Ada County | $1,052 | $1,056 | Relatively Moderate |
| Adams County | $1,414 | — | Very Low |
| Bannock County | $1,177 | $991 | Relatively Low |
| Bear Lake County | $1,195 | — | Very Low |
| Benewah County | $1,154 | $1,838 | Very Low |
| Bingham County | $1,279 | $943 | Relatively Low |
| Blaine County | $2,482 | $1,633 | Relatively Low |
| Boise County | $1,319 | $1,483 | Relatively Low |
| Bonner County | $1,482 | $1,562 | Relatively Low |
| Bonneville County | $1,309 | $994 | Relatively Moderate |
| Boundary County | $1,317 | $1,567 | Very Low |
| Butte County | $1,192 | — | Very Low |
| Camas County | $1,364 | — | Very Low |
| Canyon County | $1,040 | $936 | Relatively Low |
| Caribou County | $1,315 | — | Very Low |
| Cassia County | $1,259 | $1,216 | Relatively Low |
| Clark County | $1,185 | — | Very Low |
| Clearwater County | $1,165 | — | Relatively Low |
| Custer County | $1,396 | $1,386 | Relatively Low |
| Elmore County | $1,010 | $932 | Relatively Low |
| Franklin County | $1,297 | — | Very Low |
| Fremont County | $1,462 | $1,515 | Very Low |
| Gem County | $1,245 | $940 | Very Low |
| Gooding County | $985 | $1,081 | Very Low |
| Idaho County | $1,195 | $1,472 | Relatively Low |
| Jefferson County | $1,261 | $843 | Very Low |
| Jerome County | $1,140 | — | Very Low |
| Kootenai County | $1,291 | $1,190 | Relatively Low |
| Latah County | $1,237 | $1,025 | Very Low |
| Lemhi County | $1,713 | $2,106 | Very Low |
| Lewis County | $1,175 | $1,113 | Very Low |
| Lincoln County | $1,164 | — | Very Low |
| Madison County | $1,258 | $1,035 | Relatively Low |
| Minidoka County | $1,063 | $1,432 | Very Low |
| Nez Perce County | $1,283 | $1,198 | Very Low |
| Oneida County | $1,284 | — | Very Low |
| Owyhee County | $1,175 | — | Relatively Low |
| Payette County | $1,100 | $943 | Very Low |
| Power County | $1,156 | — | Very Low |
| Shoshone County | $1,071 | $1,897 | Relatively Low |
| Teton County | $2,008 | $1,329 | Very Low |
| Twin Falls County | $1,090 | $671 | Relatively Low |
| Valley County | $1,824 | $1,391 | Relatively Low |
| Washington County | $1,240 | $1,049 | Very Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Idaho homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.