Home Insurance in Ketchum, Idaho
Homes in Ketchum carry a median value of $824,000 - 12% higher than the Blaine County median.
The typical home in Ketchum was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 11% of homes were built before 1960, about 1 point above Blaine County's 9%.
Housing in Ketchum breaks down to 46% single-family homes and 32% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
44% of owner-occupied homes in Ketchum carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 50%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Ketchum are owner-occupied.
Most homes in Ketchum - 58% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Blaine County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Blaine County had 439 active NFIP flood policies as of September 2026. See the full Blaine 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 | $824,000 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)