Home Insurance in Shelley, Idaho
With a median home value of $295,200, Shelley is close to the Bingham County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Shelley was built around 1976. About 30% of homes were built before 1960, about 3 points above Bingham County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Shelley is 71% single-family homes, 8% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 57% of owner-occupied homes in Shelley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Shelley has an owner-occupancy rate of 75% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
74% of homes in Shelley 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.
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 | $295,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)