Home Insurance in Camas County, Idaho
With a median home value of $304,000, Camas County is 27% lower than the Idaho median.
The typical home in Camas County was built around 1991. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 29% of homes were built before 1960, about 11 points above Idaho's 17%.
In Camas County, the housing stock is 90% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Camas County, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Camas County are owner-occupied. The vacancy rate is 47%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Camas County, 39% of homes 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.
Per FEMA's National Risk Index, Camas County's top hazards are wildfire (Relatively Low), earthquake (Very Low) and winter weather (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Camas County had 6 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $304,000 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Very Low), Winter Weather (Very 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)