Home Insurance in Ammon, Idaho
Homes in Ammon carry a median value of $381,800 - close to the Bonneville County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Ammon was built around 2004. About 7% of homes were built before 1960, about 14 points below Bonneville County's 21%.
Housing in Ammon breaks down to 79% single-family homes and 14% apartments in buildings with 5+ units.
About 74% of owner-occupied homes in Ammon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ammon has an owner-occupancy rate of 69% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Ammon, 79% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Ammon? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Bonneville County and Bonneville County had 88 active NFIP flood policies as of September 2026. See the full Bonneville County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $381,800 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Bonneville County | 88 |
| 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)