Home Insurance in Rathdrum, Idaho
With a median home value of $444,100, Rathdrum is 14% lower than the Kootenai County median.
The typical home in Rathdrum was built around 2005. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 5% of homes were built before 1960, about 5 points below Kootenai County's 10%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rathdrum is 84% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 69% of owner-occupied homes in Rathdrum have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rathdrum has an owner-occupancy rate of 77% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Rathdrum - 66% - 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 | $444,100 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)