Home Insurance in Inkom, Idaho
The median home value in Inkom is $270,600, 10% lower than the Bannock County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Inkom was built around 1975. About 32% of homes were built before 1960, about 4 points above Bannock County's 28%.
The housing stock in Inkom is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Inkom, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Inkom are owner-occupied.
Most homes in Inkom - 63% - are primarily heated with natural gas. Homes heated with propane and wood 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 | $270,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)