Home Insurance in Bannock County, Idaho
The median home value in Bannock County is $300,700, 28% lower than the Idaho median.
The typical home in Bannock County was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 28% of homes were built before 1960, about 11 points above Idaho's 17%.
In Bannock County, the housing stock is 73% single-family homes, 9% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Bannock County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Bannock County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Bannock County - 59% - are primarily heated with natural gas.
The top hazards for Bannock County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), winter weather (Relatively High) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Bannock County had 96 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.
The statewide average premium for a standard HO-3 homeowners policy in Idaho is $1,135 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $300,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 96 |
| Home insurance premium | $1,135 - statewide average (NAIC, 2023 data) |
Towns and cities
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)