Home Insurance in Driggs, Idaho
Homes in Driggs carry a median value of $525,100 - 24% lower than the Teton County median.
The typical home in Driggs was built around 2000. About 13% of homes were built before 1960, about 6 points above Teton County's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Driggs is 59% single-family homes, 9% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Driggs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Driggs are owner-occupied.
Most homes in Driggs - 60% - are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Teton County's overall risk as Very Low, led by wildfire (Relatively Moderate). Teton County had 42 active NFIP flood policies as of September 2026. See the full Teton County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $525,100 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Teton County | 42 |
| 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)