Home Insurance in Soda Springs, Idaho
Homes in Soda Springs carry a median value of $241,400 - close to the Caribou County median.
The typical home in Soda Springs was built around 1972. About 30% of homes were built before 1960, about 6 points below Caribou County's 35%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Soda Springs is 65% single-family homes, 10% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Soda Springs, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Soda Springs has an owner-occupancy rate of 75% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Soda Springs, 69% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Caribou County's overall risk as Very Low, led by wildfire (Relatively Low). Caribou County had 2 active NFIP flood policies as of September 2026. See the full Caribou 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 | $241,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Caribou County | 2 |
| 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)