Home Insurance in Grangeville, Idaho
Homes in Grangeville carry a median value of $293,300 - 5% lower than the Idaho County median.
The typical home in Grangeville was built around 1964. About 42% of homes were built before 1960, about 17 points above Idaho County's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Grangeville is 78% single-family homes, 12% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Grangeville, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Grangeville are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Grangeville - 59% - are primarily heated with electricity. 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.
Idaho County's top FEMA-rated hazard is wildfire (Relatively High), per FEMA's National Risk Index. 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 | $293,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 62% |
| 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)