Home Insurance in Glenns Ferry, Idaho
Homes in Glenns Ferry carry a median value of $197,900 - 37% lower than the Elmore County median.
The typical home in Glenns Ferry was built around 1949. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 61% of homes were built before 1960, about 48 points above Elmore County's 13%.
The housing stock in Glenns Ferry is 72% single-family homes, 8% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 70% of owner-occupied homes in Glenns Ferry have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Glenns Ferry are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
50% of homes in Glenns Ferry are primarily heated with electricity.
What's the biggest home insurance risk near Glenns Ferry? FEMA's National Risk Index points to wildfire (Relatively High) in Elmore County and Elmore County had 137 active NFIP flood policies as of September 2026. See the full Elmore 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 | $197,900 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Elmore County | 137 |
| 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)