Home Insurance in Priest River, Idaho
With a median home value of $299,100, Priest River is 39% 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 Priest River was built around 1973. About 40% of homes were built before 1960, about 24 points above Bonner County's 16%.
In Priest River, the housing stock is 68% single-family homes, 9% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Priest River, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Priest River has an owner-occupancy rate of 74% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Priest River - 61% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Bonner County had 150 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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.
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 | $299,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)