Home Insurance in Minidoka, Idaho
Homes in Minidoka carry a median value of $112,500 - 57% lower than the Minidoka County median.
The typical home in Minidoka was built around 1953. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 69% of homes were built before 1960, about 45 points above Minidoka County's 24%.
The housing stock in Minidoka is 82% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 17% of owner-occupied homes in Minidoka have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Minidoka has an owner-occupancy rate of 53% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Minidoka, 87% of homes are primarily heated with electricity.
Minidoka County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Minidoka County had 11 active NFIP flood policies as of September 2026. 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 | $112,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)