Home Insurance in St. Maries, Idaho
With a median home value of $236,300, St. Maries is 19% lower than the Benewah County median.
The typical home in St. Maries was built around 1963. About 46% of homes were built before 1960, about 24 points above Benewah County's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In St. Maries, the housing stock is 71% single-family homes, 9% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 70% of owner-occupied homes in St. Maries have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 62% of occupied homes in St. Maries are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. Maries - 55% - are primarily heated with electricity. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Benewah County's overall risk as Very Low, led by wildfire (Relatively Low). Benewah County had 51 active NFIP flood policies as of September 2026. See the full Benewah 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 | $236,300 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Benewah County | 51 |
| 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)