Home Insurance in Coeur d'Alene, Idaho
With a median home value of $483,500, Coeur d'Alene is 7% lower than the Kootenai County median.
The typical home in Coeur d'Alene was built around 1994. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 16% of homes were built before 1960, about 6 points above Kootenai County's 10%.
In Coeur d'Alene, the housing stock is 70% single-family homes, 17% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
62% of owner-occupied homes in Coeur d'Alene carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Coeur d'Alene has an owner-occupancy rate of 59% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Coeur d'Alene - 55% - are primarily heated with natural gas.
Kootenai County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Kootenai County had 221 active NFIP flood policies as of September 2026. See the full Kootenai 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 | $483,500 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Kootenai County | 221 |
| 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)