Home Insurance in Arimo, Idaho
The median home value in Arimo is $235,700, 22% lower than the Bannock County median.
The typical home in Arimo was built around 1950. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 57% of homes were built before 1960, about 29 points above Bannock County's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Arimo is 90% single-family homes and 10% mobile or manufactured homes.
70% of owner-occupied homes in Arimo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Arimo has an owner-occupancy rate of 93% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
65% of homes in Arimo are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Bannock County had 96 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Bannock County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $235,700 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Bannock County | 96 |
| 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)