Home Insurance in Tensed, Idaho
The typical home in Tensed was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 38% of homes were built before 1960, about 16 points above Benewah County's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tensed is 40% single-family homes, 4% apartments in buildings with 5+ units and 27% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Tensed, about 6% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 42% of occupied homes in Tensed are owner-occupied.
Most homes in Tensed - 70% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Benewah County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. 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 year built | 1980 |
|---|---|
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 6% |
| 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)