Home Insurance in Heyburn, Idaho
The median home value in Heyburn is $237,800, 9% lower than the Minidoka County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Heyburn was built around 1981. About 7% of homes were built before 1960, about 17 points below Minidoka County's 24%.
The housing stock in Heyburn is 75% single-family homes and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Heyburn have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Heyburn has an owner-occupancy rate of 48% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Heyburn - 72% - are primarily heated with electricity.
Minidoka County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Minidoka 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 | $237,800 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Minidoka County | 11 |
| 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)