Home Insurance in Oldtown, Idaho
With a median home value of $261,700, Oldtown is 46% lower than the Bonner County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Oldtown was built around 1977. About 17% of homes were built before 1960, about 1 point above Bonner County's 16%.
In Oldtown, the housing stock is 44% single-family homes, 1% apartments in buildings with 5+ units and 47% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Oldtown, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Oldtown are owner-occupied.
39% of homes in Oldtown 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 Bonner County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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.
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 | $261,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)