Home Insurance in Oneida County, Idaho
With a median home value of $272,000, Oneida County is 35% lower than the Idaho median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Oneida County was built around 1971. About 45% of homes were built before 1960, about 28 points above Idaho's 17%.
In Oneida County, the housing stock is 94% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 61% of owner-occupied homes in Oneida County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oneida County has an owner-occupancy rate of 88% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
59% of homes in Oneida County are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Relatively Low), earthquake (Very Low) and winter weather (Relatively Low) as the leading hazards for Oneida County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Oneida County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $272,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Very Low), Winter Weather (Relatively Low) |
| Home insurance premium | $1,135 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)