Home Insurance in Malta, Idaho
Homes in Malta carry a median value of $159,300 - 44% lower than the Cassia County median.
The median home in Malta was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 68% of homes were built before 1960, about 38 points above Cassia County's 30%.
In Malta, the housing stock is 90% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 20% of owner-occupied homes in Malta have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Malta has an owner-occupancy rate of 84% and a vacancy rate of 46%; unoccupied homes typically need a different coverage form.
Most homes in Malta - 55% - 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.
The statewide average premium for a standard HO-3 homeowners policy in Idaho is $1,135 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $159,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 20% |
| 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)