Home Insurance in Mullan, Idaho
Homes in Mullan carry a median value of $210,600 - 21% lower than the Shoshone County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Mullan was built in 1939 or earlier. About 74% of homes were built before 1960, about 22 points above Shoshone County's 51%.
Housing in Mullan breaks down to 94% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 34% of owner-occupied homes in Mullan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mullan has an owner-occupancy rate of 85% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
62% of homes in Mullan 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.
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 | $210,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)