Home Insurance in Craigmont, Idaho
Homes in Craigmont carry a median value of $207,300 - 8% lower than the Lewis County median.
The typical home in Craigmont was built around 1956. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 54% of homes were built before 1960, about 8 points above Lewis County's 46%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Craigmont is 87% single-family homes and 13% mobile or manufactured homes.
55% of owner-occupied homes in Craigmont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Craigmont has an owner-occupancy rate of 89% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
38% of homes in Craigmont are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Lewis County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Lewis County had 17 active NFIP flood policies as of September 2026. See the full Lewis 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 | $207,300 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Lewis County | 17 |
| 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)