Home Insurance in Payette, Idaho
The median home value in Payette is $276,500, 19% lower than the Payette County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Payette was built around 1972. About 41% of homes were built before 1960, about 12 points above Payette County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Payette is 75% single-family homes, 9% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
In Payette, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Payette has an owner-occupancy rate of 59% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
53% of homes in Payette are primarily heated with natural gas.
FEMA rates Payette County's overall risk as Very Low, led by wildfire (Relatively Moderate). Payette County had 32 active NFIP flood policies as of September 2026. See the full Payette 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 | $276,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Payette County | 32 |
| 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)