Home Insurance in Boise County, Idaho
The median home value in Boise County is $476,100, 14% higher than the Idaho median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Boise County was built around 1991. About 10% of homes were built before 1960, about 8 points below Idaho's 17%.
In Boise County, the housing stock is 85% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Boise County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Boise County has an owner-occupancy rate of 90% and a vacancy rate of 37%; unoccupied homes typically need a different coverage form.
41% of homes in Boise County are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Relatively Moderate), winter weather (Relatively Low) and inland flooding (Relatively Low) as the leading hazards for Boise County.
Boise County had 26 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $476,100 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 26 |
| 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)