Home Insurance in Bingham County, Idaho
Homes in Bingham County carry a median value of $293,300 - 30% lower than the Idaho median.
The typical home in Bingham County was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 9 points above Idaho's 17%.
The housing stock in Bingham County is 78% single-family homes, 2% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Bingham County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bingham County has an owner-occupancy rate of 81% and a vacancy rate of 8%; 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. 45% of homes in Bingham County are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Relatively High), earthquake (Relatively Low) and wildfire (Relatively Low) as the leading hazards for Bingham County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Bingham County had 93 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Idaho carries a statewide average premium of $1,135 per year.
Key figures
| Median home value | $293,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Earthquake (Relatively Low), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 93 |
| Home insurance premium | $1,135 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)