Home Insurance in Bonneville County, Idaho
Homes in Bonneville County carry a median value of $368,800 - 12% lower 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 Bonneville County was built around 1985. About 21% of homes were built before 1960, about 4 points above Idaho's 17%.
In Bonneville County, the housing stock is 76% single-family homes, 10% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 65% of owner-occupied homes in Bonneville County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bonneville County has an owner-occupancy rate of 72% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
56% of homes in Bonneville County are primarily heated with natural gas.
FEMA's National Risk Index lists earthquake (Relatively Moderate), wildfire (Relatively Moderate) and hail (Relatively Moderate) as the leading hazards for Bonneville County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Bonneville County had 88 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $368,800 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Wildfire (Relatively Moderate), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 88 |
| 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)