Home Insurance in Dalton Gardens, Idaho
With a median home value of $803,600, Dalton Gardens is 55% higher than the Kootenai County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Dalton Gardens was built around 1973. About 25% of homes were built before 1960, about 15 points above Kootenai County's 10%.
The housing stock in Dalton Gardens is 88% single-family homes and 11% apartments in buildings with 5+ units.
About 50% of owner-occupied homes in Dalton Gardens have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Dalton Gardens are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Dalton Gardens - 78% - are primarily heated with natural gas.
FEMA rates Kootenai County's overall risk as Relatively Low, led by winter weather (Relatively High). 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 | $803,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)