Home Insurance in McCammon, Idaho
Homes in McCammon carry a median value of $296,300 - close to the Bannock County median.
The typical home in McCammon was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 39% of homes were built before 1960, about 11 points above Bannock County's 28%.
In McCammon, the housing stock is 84% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in McCammon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in McCammon are owner-occupied.
Most homes in McCammon - 75% - are primarily heated with natural gas.
What's the biggest home insurance risk near McCammon? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Bannock County and Bannock County had 96 active NFIP flood policies as of September 2026. See the full Bannock 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 | $296,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)