Home Insurance in Riggins, Idaho
The median home value in Riggins is $352,300, 14% higher than the Idaho County median.
The typical home in Riggins was built around 1974. About 37% of homes were built before 1960, about 11 points above Idaho County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Riggins, the housing stock is 69% single-family homes, 12% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
16% of owner-occupied homes in Riggins carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Riggins has an owner-occupancy rate of 52% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
Most homes in Riggins - 67% - 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.
FEMA rates Idaho County's overall risk as Relatively Low, led by wildfire (Relatively High). 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.
In Idaho, the statewide average premium for a standard HO-3 homeowners policy is $1,135 per year (NAIC, 2023 data).
Key figures
| Median home value | $352,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 16% |
| 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)