Home Insurance in Rigby, Idaho
With a median home value of $336,200, Rigby is 18% lower than the Jefferson County median.
The typical home in Rigby was built around 1981. About 21% of homes were built before 1960, in line with Jefferson County (20%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Rigby breaks down to 77% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
76% of owner-occupied homes in Rigby carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 72% of occupied homes in Rigby are owner-occupied.
71% of homes in Rigby are primarily heated with natural gas.
Jefferson County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Jefferson County had 42 active NFIP flood policies as of September 2026. See the full Jefferson 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 | $336,200 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Jefferson County | 42 |
| 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)