Home Insurance in Peck, Idaho
Homes in Peck carry a median value of $152,800 - 54% lower than the Nez Perce County median.
The typical home in Peck was built around 1956. About 57% of homes were built before 1960, about 23 points above Nez Perce County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Peck, the housing stock is 76% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Peck, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Peck has an owner-occupancy rate of 87% and a vacancy rate of 17%; 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. 42% of homes in Peck are primarily heated with electricity.
FEMA rates Nez Perce County's overall risk as Very Low, led by wildfire (Relatively Moderate). 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.
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 | $152,800 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)