Home Insurance in Cottonwood, Idaho
The median home value in Cottonwood is $234,700, 24% lower than the Idaho County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Cottonwood was built around 1962. About 49% of homes were built before 1960, about 23 points above Idaho County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cottonwood is 81% single-family homes, 1% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
About 41% of owner-occupied homes in Cottonwood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cottonwood has an owner-occupancy rate of 80% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
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 Cottonwood, 50% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Cottonwood? FEMA's National Risk Index points to wildfire (Relatively High) in Idaho County and Idaho County had 11 active NFIP flood policies as of September 2026. See the full Idaho 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 | $234,700 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Wildfire (Relatively High) |
| Active NFIP policies in Idaho County | 11 |
| 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)