Home Insurance in Placerville, Idaho
The median home value in Placerville is $412,500, 13% lower than the Boise County median.
The typical home in Placerville was built around 1949. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 52% of homes were built before 1960, about 43 points above Boise County's 10%.
In Placerville, the housing stock is 78% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
77% of owner-occupied homes in Placerville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 71%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Placerville are owner-occupied.
68% of homes in Placerville are primarily heated with wood. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $412,500 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)