Home Insurance in Grand View, Idaho
Homes in Grand View carry a median value of $173,900 - 52% lower than the Owyhee County median.
The typical home in Grand View was built around 1979. About 26% of homes were built before 1960, about 3 points above Owyhee County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Grand View is 44% single-family homes, 14% apartments in buildings with 5+ units and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Grand View, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Grand View has an owner-occupancy rate of 40% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 65% of homes in Grand View are primarily heated with electricity.
FEMA rates Owyhee County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Owyhee County had 4 active NFIP flood policies as of September 2026. See the full Owyhee 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 | $173,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Owyhee County | 4 |
| 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)