Home Insurance in Post Falls, Idaho
Homes in Post Falls carry a median value of $477,400 - 8% lower than the Kootenai County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Post Falls was built around 2005. About 3% of homes were built before 1960, about 7 points below Kootenai County's 10%.
In Post Falls, the housing stock is 72% single-family homes, 18% 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.
In Post Falls, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Post Falls are owner-occupied.
Most homes in Post Falls - 60% - are primarily heated with natural gas.
What's the biggest home insurance risk near Post Falls? FEMA's National Risk Index points to winter weather (Relatively High) in Kootenai County and 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 | $477,400 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)