Home Insurance in Melba, Idaho
The median home value in Melba is $301,200, 23% lower than the Canyon County median.
The typical home in Melba was built around 1978. About 37% of homes were built before 1960, about 22 points above Canyon County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Melba, the housing stock is 90% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
76% of owner-occupied homes in Melba carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Melba has an owner-occupancy rate of 87% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Melba, 81% of homes are primarily heated with electricity. Homes heated with 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 Melba? FEMA's National Risk Index points to winter weather (Very High) in Canyon County and 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 | $301,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)