Home Insurance in St. Charles, Idaho
With a median home value of $210,000, St. Charles is 24% lower than the Bear Lake County median.
The typical home in St. Charles was built around 1944. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 66% of homes were built before 1960, about 26 points above Bear Lake County's 40%.
Housing in St. Charles breaks down to 95% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 22% of owner-occupied homes in St. Charles have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. Charles has an owner-occupancy rate of 98% and a vacancy rate of 64%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In St. Charles, 83% of homes are primarily heated with propane.
FEMA rates Bear Lake County's overall risk as Very Low, led by wildfire (Relatively Low). 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 | $210,000 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)