Home Insurance in Reubens, Idaho
With a median home value of $125,000, Reubens is 45% lower than the Lewis County median.
The median home in Reubens was built in 1939 or earlier. About 88% of homes were built before 1960, about 42 points above Lewis County's 46%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Reubens is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Reubens carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Reubens has an owner-occupancy rate of 83% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Reubens, 46% of homes are primarily heated with fuel oil.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Idaho carries a statewide average premium of $1,135 per year.
Key figures
| Median home value | $125,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)