Home Insurance in Hazelton, Idaho
The median home value in Hazelton is $221,300, 19% lower than the Jerome County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hazelton was built around 1980. About 31% of homes were built before 1960, about 9 points above Jerome County's 22%.
In Hazelton, the housing stock is 77% single-family homes, 3% apartments in buildings with 5+ units and 5% 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.
In Hazelton, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 68% of occupied homes in Hazelton are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hazelton - 75% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Jerome County's overall risk as Very Low, led by wildfire (Relatively Moderate). Jerome County has no active NFIP flood policies on file. See the full Jerome 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 | $221,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Wildfire (Relatively Moderate) |
| 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)