Home Insurance in Wilder, Idaho
The median home value in Wilder is $270,900, 31% lower than the Canyon County median.
The typical home in Wilder was built around 1982. About 20% of homes were built before 1960, about 5 points above 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 Wilder is 87% single-family homes and 7% mobile or manufactured homes.
In Wilder, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Wilder are owner-occupied.
In Wilder, 48% of homes are primarily heated with electricity.
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.
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 | $270,900 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)