Home Insurance in Wardner, Idaho
With a median home value of $312,500, Wardner is 17% higher than the Shoshone County median.
The median home in Wardner was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 75% of homes were built before 1960, about 24 points above Shoshone County's 51%.
The housing stock in Wardner is 99% single-family homes.
In Wardner, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wardner has an owner-occupancy rate of 50% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
51% of homes in Wardner are primarily heated with electricity.
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 | $312,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)