Home Insurance in Caldwell, Idaho
The median home value in Caldwell is $367,300, 6% lower than the Canyon County median.
The typical home in Caldwell was built around 2003. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 15% of homes were built before 1960, in line with Canyon County (15%).
The housing stock in Caldwell is 82% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Caldwell, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Caldwell has an owner-occupancy rate of 73% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
69% of homes in Caldwell are primarily heated with natural gas.
FEMA rates Canyon County's overall risk as Relatively Low, led by winter weather (Very High). Canyon County had 418 active NFIP flood policies as of September 2026. See the full Canyon 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 | $367,300 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Canyon County | 418 |
| 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)