Home Insurance in Bellevue, Idaho
The median home value in Bellevue is $539,000, 27% lower than the Blaine County median.
The typical home in Bellevue was built around 1991. About 12% of homes were built before 1960, about 2 points above Blaine County's 9%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Bellevue, the housing stock is 92% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in Bellevue carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Bellevue are owner-occupied.
Most homes in Bellevue - 62% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Blaine County had 439 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Blaine County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Idaho, the statewide average premium for a standard HO-3 homeowners policy is $1,135 per year (NAIC, 2023 data).
Key figures
| Median home value | $539,000 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Blaine County | 439 |
| 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)