Home Insurance in Twin Falls County, Idaho
The median home value in Twin Falls County is $337,900, 19% lower than the Idaho median.
The typical home in Twin Falls County was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 25% of homes were built before 1960, about 8 points above Idaho's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Twin Falls County is 79% single-family homes, 6% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
In Twin Falls County, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 70% of occupied homes in Twin Falls County are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Twin Falls County - 54% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Twin Falls County's top hazards are winter weather (Relatively High), wildfire (Relatively Moderate) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Twin Falls County has 78 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $337,900 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Wildfire (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 78 |
| Home insurance premium | $1,135 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)