Home Insurance in Clark Fork, Idaho
With a median home value of $251,700, Clark Fork is 48% lower than the Bonner County median.
The typical home in Clark Fork was built around 1959. About 52% of homes were built before 1960, about 36 points above Bonner County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clark Fork is 73% single-family homes and 19% mobile or manufactured homes.
About 32% of owner-occupied homes in Clark Fork have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clark Fork has an owner-occupancy rate of 56% 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. 45% of homes in Clark Fork are primarily heated with wood.
Bonner County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Bonner County had 150 active NFIP flood policies as of September 2026. See the full Bonner County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $251,700 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Bonner County | 150 |
| 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)