Home Insurance in Declo, Idaho
The median home value in Declo is $235,700, 17% lower than the Cassia County median.
The typical home in Declo was built around 1956. About 59% of homes were built before 1960, about 30 points above Cassia County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Declo, the housing stock is 64% single-family homes, 3% apartments in buildings with 5+ units and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Declo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Declo has an owner-occupancy rate of 40% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Declo - 72% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Cassia County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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 | $235,700 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)