Home Insurance in Boise City, Idaho
With a median home value of $484,800, Boise City is 5% lower than the Ada County median.
The typical home in Boise City was built around 1986. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, about 7 points above Ada County's 10%.
Housing in Boise City breaks down to 71% single-family homes, 17% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 65% of owner-occupied homes in Boise City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in Boise City are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Boise City - 63% - are primarily heated with natural gas.
Ada County had 1,815 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Ada County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Idaho, the statewide average premium for a standard HO-3 homeowners policy is $1,135 per year (NAIC, 2023 data).
Key figures
| Median home value | $484,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Ada County | 1,815 |
| Home insurance premium | $1,135 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)