Home Insurance in Firth, Idaho
Homes in Firth carry a median value of $235,400 - 20% lower than the Bingham County median.
The typical home in Firth was built around 1971. About 26% of homes were built before 1960, in line with Bingham County (26%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Firth, the housing stock is 72% single-family homes, 4% apartments in buildings with 5+ units and 9% 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.
62% of owner-occupied homes in Firth carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Firth has an owner-occupancy rate of 61% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
60% of homes in Firth are primarily heated with natural gas.
FEMA rates Bingham County's overall risk as Relatively Low, led by winter weather (Relatively High). 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 | $235,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)