Home Insurance in Teton, Idaho
With a median home value of $249,300, Teton is 21% lower than the Fremont County median.
The typical home in Teton was built around 1975. About 39% of homes were built before 1960, about 21 points above Fremont County's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Teton is 78% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Teton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Teton has an owner-occupancy rate of 82% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Teton, 34% of homes are primarily heated with propane. 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.
What's the biggest home insurance risk near Teton? 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 home value | $249,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)