Home Insurance in Bonner County, Idaho
The median home value in Bonner County is $487,900, 17% higher than the Idaho median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bonner County was built around 1990. About 16% of homes were built before 1960, about 2 points below Idaho's 17%.
The housing stock in Bonner County is 79% single-family homes, 6% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bonner County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bonner County has an owner-occupancy rate of 78% and a vacancy rate of 25%; 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. 36% of homes in Bonner County are primarily heated with electricity.
The top hazards for Bonner County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), winter weather (Relatively High) and wildfire (Relatively Low).
As of September 2026, Bonner County has 150 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Idaho is $1,135 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $487,900 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Winter Weather (Relatively High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 150 |
| 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)