Home Insurance in Blaine County, Idaho
The median home value in Blaine County is $735,300, 76% higher than the Idaho median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Blaine County was built around 1987. About 9% of homes were built before 1960, about 8 points below Idaho's 17%.
Housing in Blaine County breaks down to 68% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Blaine County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Blaine County has an owner-occupancy rate of 74% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Blaine County, 46% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Blaine County's top hazards are wildfire (Relatively Moderate), winter weather (Relatively High) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Blaine County has 439 active NFIP flood policies on file.
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 | $735,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 439 |
| 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)