Home Insurance in Weston, Idaho
With a median home value of $344,300, Weston is 8% lower than the Franklin County median.
The typical home in Weston was built around 1979. About 37% of homes were built before 1960, in line with Franklin County (36%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Weston is 96% single-family homes and 4% mobile or manufactured homes.
In Weston, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 93% of occupied homes in Weston are owner-occupied.
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. In Weston, 58% of homes are primarily heated with propane.
What's the biggest home insurance risk near Weston? FEMA's National Risk Index points to wildfire (Relatively Low) in Franklin County and 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.
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 | $344,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)