Home Insurance in Lapwai, Idaho
Homes in Lapwai carry a median value of $113,700 - 66% lower than the Nez Perce County median.
The typical home in Lapwai was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 30% of homes were built before 1960, about 5 points below Nez Perce County's 34%.
In Lapwai, the housing stock is 81% single-family homes, 2% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lapwai, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lapwai has an owner-occupancy rate of 62% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Lapwai - 71% - are primarily heated with electricity.
What's the biggest home insurance risk near Lapwai? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Nez Perce County and Nez Perce County had 30 active NFIP flood policies as of September 2026. See the full Nez Perce County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Idaho is $1,135 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $113,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Nez Perce County | 30 |
| 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)