Home Insurance in Homedale, Idaho
With a median home value of $238,000, Homedale is 34% lower than the Owyhee County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Homedale was built around 1973. About 35% of homes were built before 1960, about 12 points above Owyhee County's 23%.
The housing stock in Homedale is 74% single-family homes, 4% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Homedale, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Homedale are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 62% of homes in Homedale 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Idaho carries a statewide average premium of $1,135 per year.
Key figures
| Median home value | $238,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)