Home Insurance in State Line, Idaho
The typical home in State Line was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 0% of homes were built before 1960, about 10 points below Kootenai County's 10%.
In State Line, the housing stock is 33% apartments in buildings with 5+ units and 67% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in State Line carry a mortgage.
About 67% of occupied homes in State Line are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In State Line, 67% of homes are primarily heated with electricity.
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.
In Idaho, the statewide average premium for a standard HO-3 homeowners policy is $1,135 per year (NAIC, 2023 data).
Key figures
| Median year built | 1978 |
|---|---|
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)