Home Insurance in Butte County, Idaho
The median home value in Butte County is $217,600, 48% lower than the Idaho median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Butte County was built around 1971. About 38% of homes were built before 1960, about 20 points above Idaho's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Butte County is 74% single-family homes, 2% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
45% of owner-occupied homes in Butte County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Butte County are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Butte County, 41% of homes 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.
FEMA's National Risk Index lists wildfire (Very Low), earthquake (Very Low) and winter weather (Relatively Low) as the leading hazards for Butte County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Butte County has 6 active NFIP flood insurance policies. 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 | $217,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Earthquake (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 6 |
| 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)