Home Insurance in Canyon County, Idaho
Homes in Canyon County carry a median value of $390,000 - 7% 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 Canyon County was built around 1999. About 15% of homes were built before 1960, about 2 points below Idaho's 17%.
The housing stock in Canyon County is 82% single-family homes, 5% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Canyon County, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Canyon County has an owner-occupancy rate of 76% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
59% of homes in Canyon County are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Very High), wildfire (Relatively Moderate) and inland flooding (Relatively Moderate) as the leading hazards for Canyon County.
Canyon County had 418 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.
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 | $390,000 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Wildfire (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 418 |
| 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)