Home Insurance in Middleton, Idaho
With a median home value of $403,100, Middleton is close to the Canyon County median.
The typical home in Middleton was built around 2009. About 3% of homes were built before 1960, about 11 points below Canyon County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Middleton is 88% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
66% of owner-occupied homes in Middleton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Middleton has an owner-occupancy rate of 90% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Middleton - 77% - are primarily heated with natural gas.
What's the biggest home insurance risk near Middleton? 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.
In Idaho, the statewide average premium for a standard HO-3 homeowners policy is $1,135 per year (NAIC, 2023 data).
Key figures
| Median home value | $403,100 |
|---|---|
| Median year built | 2009 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)