Home Insurance in Aberdeen, Idaho
With a median home value of $174,500, Aberdeen is 41% lower than the Bingham County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Aberdeen was built around 1963. About 47% of homes were built before 1960, about 21 points above Bingham County's 26%.
The housing stock in Aberdeen is 79% single-family homes, 2% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Aberdeen have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in Aberdeen are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Aberdeen, 61% of homes are primarily heated with natural gas.
Bingham County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Bingham County had 93 active NFIP flood policies as of September 2026. See the full Bingham County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $174,500 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Bingham County | 93 |
| 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)