Home Insurance in Moyie Springs, Idaho
With a median home value of $356,800, Moyie Springs is 13% lower than the Boundary County median.
The typical home in Moyie Springs was built around 1991. About 5% of homes were built before 1960, about 12 points below Boundary County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Moyie Springs is 67% single-family homes and 33% mobile or manufactured homes.
In Moyie Springs, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Moyie Springs are owner-occupied.
In Moyie Springs, 48% of homes 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 | $356,800 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)