Home Insurance in Osburn, Idaho
With a median home value of $205,900, Osburn is 23% lower than the Shoshone County median.
The typical home in Osburn was built around 1959. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 52% of homes were built before 1960, in line with Shoshone County (51%).
The housing stock in Osburn is 82% single-family homes, 3% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Osburn carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Osburn has an owner-occupancy rate of 82% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Osburn, 69% of homes 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's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Shoshone County had 408 active NFIP flood policies as of September 2026. 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.
The statewide average premium for a standard HO-3 homeowners policy in Idaho is $1,135 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $205,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)