Home Insurance in Oxford, Idaho
The median home value in Oxford is $275,000, 26% lower than the Franklin County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Oxford was built in 1939 or earlier. About 65% of homes were built before 1960, about 28 points above Franklin County's 36%.
The housing stock in Oxford is 100% single-family homes.
38% of owner-occupied homes in Oxford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 94% of occupied homes in Oxford are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 59% of homes in Oxford are primarily heated with propane.
FEMA rates Franklin County's overall risk as Very Low, led by wildfire (Relatively Low). Franklin County had 4 active NFIP flood policies as of September 2026. See the full Franklin 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 | $275,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Franklin County | 4 |
| 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)