Home Insurance in Nezperce, Idaho
With a median home value of $189,300, Nezperce is 16% lower than the Lewis County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Nezperce was built around 1958. About 52% of homes were built before 1960, about 7 points above Lewis County's 46%.
In Nezperce, the housing stock is 80% single-family homes, 1% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Nezperce have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Nezperce has an owner-occupancy rate of 84% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
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. Most homes in Nezperce - 57% - are primarily heated with electricity.
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.
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 | $189,300 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)