Home Insurance in Bonners Ferry, Idaho
The median home value in Bonners Ferry is $281,400, 31% lower than the Boundary County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bonners Ferry was built around 1969. About 44% of homes were built before 1960, about 27 points above Boundary County's 17%.
In Bonners Ferry, the housing stock is 75% single-family homes, 8% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Bonners Ferry have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bonners Ferry has an owner-occupancy rate of 63% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Bonners Ferry - 50% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Boundary County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Boundary County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $281,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Boundary County | 11 |
| 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)