Home Insurance in Drummond, Idaho
The typical home in Drummond was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 23% of homes were built before 1960, about 4 points above Fremont County's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Drummond is 62% single-family homes and 38% mobile or manufactured homes.
Almost no owner-occupied homes in Drummond carry a mortgage.
The vacancy rate is 77%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 33% of occupied homes in Drummond are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Drummond, 67% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Drummond? FEMA's National Risk Index points to wildfire (Relatively Low) in Fremont County and Fremont County had 19 active NFIP flood policies as of September 2026. See the full Fremont County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 year built | 1977 |
|---|---|
| Owner-occupied share | 33% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Fremont County | 19 |
| 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)