Home Insurance in Paris, Idaho
With a median home value of $267,300, Paris is close to the Bear Lake County median.
The typical home in Paris was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 5 points above Bear Lake County's 40%.
In Paris, the housing stock is 87% 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 Paris, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Paris has an owner-occupancy rate of 92% and a vacancy rate of 40%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 62% of homes in Paris are primarily heated with propane.
What's the biggest home insurance risk near Paris? FEMA's National Risk Index points to wildfire (Relatively Low) in Bear Lake County and Bear Lake County had 1 active NFIP flood policy as of September 2026. See the full Bear Lake 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 | $267,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Bear Lake County | 1 |
| 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)