Home Insurance in Shoshone County, Idaho
Homes in Shoshone County carry a median value of $267,400 - 36% lower than the Idaho median.
The typical home in Shoshone County was built around 1959. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 51% of homes were built before 1960, about 34 points above Idaho's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Shoshone County is 78% single-family homes, 7% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
51% of owner-occupied homes in Shoshone County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Shoshone County has an owner-occupancy rate of 74% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Shoshone County - 52% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), wildfire (Relatively Low) and winter weather (Relatively Moderate) as the leading hazards for Shoshone County.
As of September 2026, Shoshone County has 408 active NFIP flood insurance policies. 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 | $267,400 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Wildfire (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 408 |
| 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)