Home Insurance in Harrison, Idaho
Homes in Harrison carry a median value of $463,900 - 11% lower than the Kootenai County median.
The typical home in Harrison was built around 1971. About 45% of homes were built before 1960, about 35 points above Kootenai County's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Harrison is 69% single-family homes, 22% 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.
25% of owner-occupied homes in Harrison carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Harrison has an owner-occupancy rate of 68% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
49% of homes in Harrison are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Idaho carries a statewide average premium of $1,135 per year.
Key figures
| Median home value | $463,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)