Home Insurance in Castleford, Idaho
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Castleford was built around 1976. About 39% of homes were built before 1960, about 14 points above Twin Falls County's 25%.
The housing stock in Castleford is 64% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Castleford, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Castleford are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Castleford - 66% - 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.
Twin Falls County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Twin Falls County had 78 active NFIP flood policies as of September 2026. 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 year built | 1976 |
|---|---|
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)