Home Insurance in Sun Valley, Idaho
With a median home value of $962,500, Sun Valley is 31% higher than the Blaine County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Sun Valley was built around 1979. About 1% of homes were built before 1960, about 8 points below Blaine County's 9%.
In Sun Valley, the housing stock is 49% single-family homes, 26% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Sun Valley, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sun Valley has an owner-occupancy rate of 91% and a vacancy rate of 72%; unoccupied homes typically need a different coverage form.
Most homes in Sun Valley - 68% - are primarily heated with natural gas.
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 | $962,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)