Home Insurance in Stites, Idaho
With a median home value of $145,000, Stites is 53% lower than the Idaho County median.
The typical home in Stites was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 42% of homes were built before 1960, about 16 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 Stites is 65% single-family homes and 31% mobile or manufactured homes.
In Stites, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Stites has an owner-occupancy rate of 87% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in Stites are primarily heated with electricity.
Idaho County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively High). See the full Idaho 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 | $145,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)