Home Insurance in Ada County, Idaho
With a median home value of $512,300, Ada County is 22% higher than the Idaho median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ada County was built around 1997. About 10% of homes were built before 1960, about 7 points below Idaho's 17%.
Housing in Ada County breaks down to 79% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
67% of owner-occupied homes in Ada County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Ada County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Ada County, 69% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Very High), wildfire (Relatively High) and strong wind (Relatively High) as the leading hazards for Ada County.
Ada County had 1,815 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Idaho carries a statewide average premium of $1,135 per year.
Key figures
| Median home value | $512,300 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Wildfire (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 1,815 |
| Home insurance premium | $1,135 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Eagle
- Median home value: $772,900
- Median year built: 2007
- Owner-occupied share: 84%
-
Meridian
- Median home value: $531,600
- Median year built: 2007
- Owner-occupied share: 75%
-
Star
- Median home value: $564,300
- Median year built: 2011
- Owner-occupied share: 81%
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)