Home Insurance in Moscow, Idaho
With a median home value of $376,400, Moscow is close to the Latah County median.
The typical home in Moscow was built around 1983. About 19% of homes were built before 1960, about 4 points below Latah County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Moscow, the housing stock is 45% single-family homes, 35% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Moscow, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 40% of occupied homes in Moscow are owner-occupied.
57% of homes in Moscow are primarily heated with electricity.
Latah County had 140 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Latah 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 home value | $376,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Latah County | 140 |
| 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)