Home Insurance in Jefferson County, Idaho
With a median home value of $408,400, Jefferson County is close to the Idaho median.
The typical home in Jefferson County was built around 1994. About 20% of homes were built before 1960, about 3 points above Idaho's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Jefferson County, the housing stock is 87% single-family homes, 1% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
65% of owner-occupied homes in Jefferson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jefferson County has an owner-occupancy rate of 83% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
48% of homes in Jefferson County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Relatively Moderate), earthquake (Relatively Low) and wildfire (Very Low) as the leading hazards for Jefferson County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Jefferson County has 42 active NFIP flood policies on file.
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 | $408,400 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Earthquake (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 42 |
| Home insurance premium | $1,135 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Lewisville
- Median home value: $236,500
- Median year built: 1973
- Owner-occupied share: 81%
-
Ririe
- Median home value: $160,700
- Median year built: 1967
- Owner-occupied share: 80%
Sources
- 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)