Home Insurance in Kootenai County, Idaho
The median home value in Kootenai County is $518,700, 24% higher than the Idaho median.
The typical home in Kootenai County was built around 1996. About 10% of homes were built before 1960, about 7 points below Idaho's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Kootenai County, the housing stock is 76% single-family homes, 11% 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.
In Kootenai County, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kootenai County has an owner-occupancy rate of 71% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
53% of homes in Kootenai County are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Relatively High), inland flooding (Relatively Moderate) and wildfire (Relatively Low) as the leading hazards for Kootenai County.
As of September 2026, Kootenai County has 221 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $518,700 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Inland Flooding (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 221 |
| Home insurance premium | $1,135 - statewide average (NAIC, 2023 data) |
Towns and cities
- Athol
- Coeur d'Alene
- Dalton Gardens
- Fernan Lake Village
- Harrison
- Hauser
- Hayden
- Hayden Lake
- Huetter
- Post Falls
- Rathdrum
- Spirit Lake
- State Line
- Worley
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)