Home Insurance in Victor, Idaho
The median home value in Victor is $617,300, 11% lower than the Teton County median.
The typical home in Victor was built around 2002. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 5% of homes were built before 1960, about 2 points below Teton County's 7%.
In Victor, the housing stock is 65% single-family homes, 16% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
82% of owner-occupied homes in Victor carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Victor has an owner-occupancy rate of 65% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Victor - 55% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Teton County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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 | $617,300 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)