Home Insurance in Buhl, Idaho
With a median home value of $247,500, Buhl is 27% lower than the Twin Falls County median.
The typical home in Buhl was built around 1965. About 41% of homes were built before 1960, about 16 points above Twin Falls County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Buhl is 83% single-family homes, 4% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
64% of owner-occupied homes in Buhl carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Buhl has an owner-occupancy rate of 76% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Buhl - 51% - are primarily heated with natural gas.
Twin Falls County had 78 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Twin Falls 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 | $247,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Twin Falls County | 78 |
| 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)