Home Insurance in Kellogg, Idaho
With a median home value of $250,600, Kellogg is 6% lower than the Shoshone County median.
The typical home in Kellogg was built around 1950. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 69% of homes were built before 1960, about 17 points above Shoshone County's 51%.
The housing stock in Kellogg is 77% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 46% of owner-occupied homes in Kellogg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kellogg has an owner-occupancy rate of 48% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Kellogg - 51% - are primarily heated with natural gas.
Shoshone County had 408 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Shoshone County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $250,600 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Shoshone County | 408 |
| 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)