Home Insurance in Pinehurst, Idaho
Homes in Pinehurst carry a median value of $291,900 - 9% higher than the Shoshone County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pinehurst was built around 1968. About 38% of homes were built before 1960, about 14 points below Shoshone County's 51%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pinehurst is 82% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Pinehurst, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pinehurst has an owner-occupancy rate of 78% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
48% of homes in Pinehurst 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.
What's the biggest home insurance risk near Pinehurst? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Shoshone County and 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.
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 | $291,900 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)