Home Insurance in Kuna, Idaho
Homes in Kuna carry a median value of $423,900 - 17% lower than the Ada County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Kuna was built around 2008. About 4% of homes were built before 1960, about 6 points below Ada County's 10%.
The housing stock in Kuna is 93% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 76% of owner-occupied homes in Kuna have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Kuna are owner-occupied.
Most homes in Kuna - 75% - are primarily heated with natural gas.
What's the biggest home insurance risk near Kuna? FEMA's National Risk Index points to winter weather (Very High) in Ada County and Ada County had 1,815 active NFIP flood policies as of September 2026. See the full Ada County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $423,900 |
|---|---|
| Median year built | 2008 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)