Home Insurance in Fremont County, Idaho
Homes in Fremont County carry a median value of $314,200 - 25% lower than the Idaho median.
The typical home in Fremont County was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 19% of homes were built before 1960, about 1 point above Idaho's 17%.
The housing stock in Fremont County is 85% single-family homes, 1% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Fremont County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fremont County has an owner-occupancy rate of 83% and a vacancy rate of 47%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 30% of homes in Fremont County are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively Low), earthquake (Relatively Low) and winter weather (Relatively Moderate) as the leading hazards for Fremont County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Fremont County had 19 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 | $314,200 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 19 |
| Home insurance premium | $1,135 - statewide average (NAIC, 2023 data) |
Towns and cities
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)