Home Insurance in Burley, Idaho
The median home value in Burley is $231,300, 19% lower than the Cassia County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Burley was built around 1972. About 33% of homes were built before 1960, about 3 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 Burley is 75% single-family homes, 11% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 66% of owner-occupied homes in Burley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Burley has an owner-occupancy rate of 61% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
51% of homes in Burley 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.
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 | $231,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)