Home Insurance in Clearwater County, Idaho
The median home value in Clearwater County is $268,200, 36% lower than the Idaho median.
The typical home in Clearwater County was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 21% of homes were built before 1960, about 4 points above Idaho's 17%.
The housing stock in Clearwater County is 73% single-family homes, 2% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Clearwater County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Clearwater County are owner-occupied.
43% of homes in Clearwater County are primarily heated with electricity. 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.
Per FEMA's National Risk Index, Clearwater County's top hazards are wildfire (Relatively Moderate), inland flooding (Relatively Low) and winter weather (Relatively Low).
Clearwater County had 11 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $268,200 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Inland Flooding (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 11 |
| Home insurance premium | $1,135 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Orofino
- Median home value: $223,400
- Median year built: 1967
- Owner-occupied share: 76%
-
Pierce
- Median home value: $173,000
- Median year built: 1965
- Owner-occupied share: 98%
Sources
- 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)