Home Insurance in Crouch, Idaho
Homes in Crouch carry a median value of $486,700 - close to the Boise County median.
The typical home in Crouch was built around 1993. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 1% of homes were built before 1960, about 9 points below Boise County's 10%.
In Crouch, the housing stock is 70% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in Crouch have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Crouch has an owner-occupancy rate of 72% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Crouch - 54% - are primarily heated with electricity.
FEMA rates Boise County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Boise County had 26 active NFIP flood policies as of September 2026. See the full Boise 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 | $486,700 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Boise County | 26 |
| 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)