Home Insurance in Clayton, Idaho
The typical home in Clayton was built around 1955. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 50% of homes were built before 1960, about 34 points above Custer County's 16%.
The housing stock in Clayton is 100% single-family homes.
Custer County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Custer County had 17 active NFIP flood policies as of September 2026. See the full Custer 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 year built | 1955 |
|---|---|
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Custer County | 17 |
| 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)