Home Insurance in Butte City, Idaho
Homes in Butte City carry a median value of $76,300 - 65% lower than the Butte County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Butte City was built around 1960. About 51% of homes were built before 1960, about 13 points above Butte County's 38%.
The housing stock in Butte City is 64% single-family homes and 25% 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.
About 21% of owner-occupied homes in Butte City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Butte City are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Butte City, 70% 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.
What's the biggest home insurance risk near Butte City? FEMA's National Risk Index points to wildfire (Very Low) in Butte County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Idaho is $1,135 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $76,300 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)