Home Insurance in Shoshone, Idaho
The median home value in Shoshone is $229,800, 10% lower than the Lincoln County median.
The typical home in Shoshone was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 42% of homes were built before 1960, about 15 points above Lincoln County's 27%.
In Shoshone, the housing stock is 93% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 60% of owner-occupied homes in Shoshone have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Shoshone are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Shoshone - 69% - are primarily heated with natural gas.
FEMA rates Lincoln County's overall risk as Very Low, led by wildfire (Relatively Moderate). Lincoln County had 4 active NFIP flood policies as of September 2026. See the full Lincoln 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 | $229,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Lincoln County | 4 |
| 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)