Home Insurance in Leadore, Idaho
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Leadore was built around 1982. About 44% of homes were built before 1960, about 22 points above Lemhi County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Leadore is 68% single-family homes and 31% mobile or manufactured homes.
About 27% of owner-occupied homes in Leadore have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 95% of occupied homes in Leadore are owner-occupied. The vacancy rate is 37%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Leadore - 56% - are primarily heated with wood. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Lemhi County's overall risk as Very Low, led by wildfire (Relatively Moderate). Lemhi County had 34 active NFIP flood policies as of September 2026. See the full Lemhi 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 year built | 1982 |
|---|---|
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Lemhi County | 34 |
| 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)