Home Insurance in Arco, Idaho
The median home value in Arco is $192,000, 12% lower than the Butte County median.
The typical home in Arco was built around 1963. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 47% of homes were built before 1960, about 9 points above Butte County's 38%.
In Arco, the housing stock is 71% single-family homes, 6% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Arco, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Arco has an owner-occupancy rate of 60% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Arco - 54% - are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Butte County's overall risk as Very Low, led by wildfire (Very Low). Butte County had 6 active NFIP flood policies as of September 2026. See the full Butte County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $192,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Butte County | 6 |
| 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)