Home Insurance in Albion, Idaho
Homes in Albion carry a median value of $269,400 - 5% lower than the Cassia County median.
The median home in Albion was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 63% of homes were built before 1960, about 34 points above Cassia County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Albion is 90% single-family homes and 10% mobile or manufactured homes.
In Albion, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Albion are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 46% of homes in Albion are primarily heated with electricity.
FEMA rates Cassia County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Cassia County had 23 active NFIP flood policies as of September 2026. See the full Cassia County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Idaho carries a statewide average premium of $1,135 per year.
Key figures
| Median home value | $269,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Cassia County | 23 |
| 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)