Home Insurance in Smelterville, Idaho
With a median home value of $154,400, Smelterville is 42% lower than the Shoshone County median.
The typical home in Smelterville was built around 1946. About 71% of homes were built before 1960, about 20 points above Shoshone County's 51%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Smelterville, the housing stock is 75% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
27% of owner-occupied homes in Smelterville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Smelterville has an owner-occupancy rate of 78% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
65% of homes in Smelterville 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.
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 | $154,400 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)